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 $99. The ongoing APR is 19.99% to 35.24% variable, based on creditworthiness. Signup bonus: 25,000 bonus Miles when you spend $2,000 in the first 90 days after account opening, plus an extra 15,000 bonus Miles when you spend an additional $6,000 within your first year. Rewards: 3X Miles on Turkish Airlines flights and purchases; 2X Miles on dining, groceries, entertainment and lodging; 1X Miles on everything else.