The Decatur County Bank is a personal credit card from Decatur County Bank. The annual fee is $299 for the first card; $49 for each additional card. The ongoing APR is 14.49% variable APR for purchases and balance transfers; varies with the Prime Rate (disclosures effective February 10, 2026) after a 0.00% introductory APR on purchases, balance transfers and cash advances for the first twelve (12) billing cycles introductory rate for 12 months. Signup bonus: 25,000 bonus points upon enrollment. Rewards: Earn points or cash back on every purchase. Loan terms: Revolving credit card; payment due date at least 25 days after the close of each billing period; no interest on purchases if the entire balance is paid by the due date.