The Ohio Valley Community Federal Credit Union is a business credit card from Ohio Valley Community Federal Credit Union. Application typically pulls a credit report from TransUnion. The annual fee is Annual Membership Fee: None. The ongoing APR is 16.49% to 25.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. after a Purchases: 0% introductory APR for the first 18 billing cycles. Balance Transfers: 0% introductory APR for the first 18 billing cycles for balances transferred within 558 days from account opening. introductory rate. Rewards: 5% cash back On prepaid travel booked directly in the Travel Center when you use your card; $50 annual statement credit When you spend $5,000 in the Travel Center using your Zero+ Card. Each cardholder is eligible.