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 No annual fee. Signup bonus: 20% off first online purchase at Brooks Brothers (offer expires 30 days after account open) plus a $50 Reward (5,000 points) on the first purchase outside Brooks Brothers (within 60 days of account open). Rewards: Up to 10 points per $1 at Brooks Brothers (by My Brooks Brothers Rewards tier); 4 points per $1 on restaurants, groceries and gas; 1 point per $1 everywhere else.