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 12 billing cycles on purchases and balance transfers introductory rate. Signup bonus: $150 bonus when you spend $500 within the first 90 days. Rewards: 5% cash back in two categories of your choice on the first $2,000 in combined purchases each quarter; 2% unlimited cash back on one everyday category of your choice; 1% unlimited cash back on all other eligible purchases.