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 34.24% variable, based on creditworthiness. Signup bonus: $100 bonus when you spend $1,000 in the first 90 days. Rewards: +4% cash back on eligible Rakuten purchases (on top of Rakuten cash back; $10,000 annual cap on that category); 10% cash back on Rakuten dining; 2% cash back on groceries and restaurants; 1% cash back on everything else.