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 6 billing cycles on purchases and balance transfers introductory rate. Signup bonus: 2,500 points after first purchase. Rewards: 1.5X points per $1 on all eligible purchases.