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 $0. The ongoing APR is 19.99% to 33.24% variable, based on creditworthiness. Signup bonus: $50 welcome bonus (5,000 points) after you spend $1,000 in the first 90 days after account opening. Rewards: 3% back in rewards on Holiday Inn Club Vacations spend, including HOA assessments and mortgage payments; 1% back in rewards on all other purchases.