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 $390. The ongoing APR is 19.24% to 28.24% variable, based on creditworthiness (terms accurate as of 10/2026) after a No introductory APR introductory rate. Signup bonus: 50,000 bonus points when you spend $4,500 within the first 90 days. Rewards: 6X points on prepaid travel booked directly in the Travel Center; 2X points on all other eligible purchases; complimentary Priority Pass Select membership.