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 17.49% to 28.49% variable, based on creditworthiness (terms accurate as of 10/2026) after a 0% introductory APR for the first 21 billing cycles on purchases and balance transfers introductory rate. Rewards: 4% cash back on prepaid travel booked directly in the Travel Center; $15 annual statement credit after making purchases for 11 consecutive months.