The Univest Bank and Trust Co. is a personal credit card from Univest Bank and Trust Co.. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 17.99% to 28.24% variable, based on creditworthiness (terms accurate as of 10/2026) after a 0% introductory APR for the first 6 billing cycles on purchases and balance transfers introductory rate. Signup bonus: 2,500 bonus points after your first purchase. Rewards: 1.5X points per $1 spent on all eligible purchases.