The 21st Century Bank is a personal credit card from 21st Century Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0 for the first 12 months, then $99. The ongoing APR is 19.24% to 28.24% variable, based on creditworthiness. Signup bonus: 25,000 points after $2,000 in purchases within 120 days. Rewards: 4X points on eligible travel, gas and EV charging, entertainment and recreation; 1.5X on other purchases.