The Cross River Bank is a personal credit card from Cross River Bank. Application typically pulls a hard report from TransUnion. The annual fee is $40. The ongoing APR is 24.88% to 35.88% fixed. Rewards: Unlimited 1.5% cash back on eligible purchases as a statement credit when enrolled in autopay. Typical credit limit: $450 to $10,000. Loan terms: Revolving credit card; no interest on purchases if the statement balance is paid in full each month. This product reports activity to your personal credit report. Soft-pull pre-qualification is available — no hard inquiry to check approval odds.