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 35.24% variable, based on creditworthiness. Signup bonus: $50 welcome bonus (50,000 reward points) after three transactions in the first 180 days after account opening. Rewards: 3% in rewards on Westgate Resorts purchases, including mortgage payments; 2% in rewards on dining, gas, groceries and airlines; 1% in rewards everywhere else Mastercard is accepted.