The First Electronic Bank is a personal credit card from First Electronic Bank. Application typically pulls a hard report from Experian. The annual fee is $499. The ongoing APR is Prime + 12.74% to Prime + 22.74% variable (19.49% to 29.49% at a 6.75% Prime Rate; disclosure accurate as of March 9, 2026) after a No introductory APR introductory rate. Signup bonus: Up to 50,000 bonus Avios: 25,000 after your first eligible purchase and 25,000 after you spend $5,000 on eligible purchases in the first 90 days from account opening (plus 150 Qpoints per page tile). Rewards: 1 Avios per $1 on eligible purchases; 3 Avios per $1 at restaurants; 5 Avios per $1 on purchases directly with Qatar Airways; 2 Qpoints for every 1,500 Avios earned on the card.