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21st Century Bank — Personal Credit Card

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). Signup bonus: $150 after $500 in purchases within 90 days. Rewards: 5% cash back in two chosen categories (first $2,000 combined per quarter); 2% in one everyday category; 1% on other purchases.

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