AppCard is a financial technology company and is not a bank. The AppCard Credit Card is issued by TAB Bank, Member FDIC pursuant to a license from Visa USA Inc and may be used anywhere Visa cards are accepted. See the AppCard Credit Card Cardholder Agreement and AppCard Perks Terms and Conditions for more information. Important Rates & Terms: *Welcome bonus of 5,000 Perks valued at $25 for use at Neighborhood Fresh, earned upon spending $250 in the first 60 days of activating your credit card. No annual fee. Variable purchase APR: 18.49%-30.49%, based on creditworthiness and the prime rate. Rates as of 3/18/26. Other fees may apply, including a late payment fee of $30, a returned payment fee of $32, and a foreign transaction fee of 3% of each transaction in U.S. dollars. See full Pricing & Terms.