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 19.49% to 29.49% variable, based on creditworthiness (Prime + 12.74% to Prime + 22.74%; disclosure accurate as of March 9, 2026) after a No introductory APR introductory rate. Signup bonus: 15,000 LATAM Pass Miles after spending $1,000 in the first three months. Rewards: 3x LATAM Pass miles on LATAM Airlines purchases; 2x on restaurants; 2x on rideshare, taxis and public transit; 1x on everything else. Loan terms: Revolving credit card; due date at least 21 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date; minimum payment is the greater of the full balance if under $35 or 1% of the new balance plus interest, fees and any over-limit amount.