The Point West Credit Union is a business credit card from Point West Credit Union. The annual fee is $0. The ongoing APR is 8.95% (Purchase APR; Cash Advance APR the same). Rewards: Earn ScoreCard Points with every business purchase, dollar for dollar, and redeem them for travel rewards, office supplies or brand-name merchandise. Loan terms: Minimum payment 3% of balance up to $25.00.