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. The ongoing APR is 17.99% to 28.24% variable, based on creditworthiness (after intro) after a 0% introductory APR for the first 12 billing cycles on purchases and balance transfers introductory rate. Signup bonus: 15,000 points after $500 in purchases within 90 days. Rewards: 4X points on dining, take-out and restaurant delivery (first $2,000 per quarter); 2X at grocery stores, gas and EV charging stations and eligible streaming; 1X on other purchases.