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: 15,000 points when you spend $500 within the first 90 days. Rewards: 4X points on dining, takeout and restaurant delivery on your first $2,000 each quarter; 2X points at grocery stores, gas stations and EV charging stations, and eligible streaming services; 1X points on all other eligible purchases.