The 22nd State Bank is a personal credit card from 22nd State Bank. The annual fee is $0. The ongoing APR is 17.00% variable (Prime Rate + 10.00%; pricing information as of September 17, 2026) after a 0% introductory APR on purchases and balance transfers for 7 billing cycles introductory rate. Rewards: No rewards. Loan terms: Revolving; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $2.00.