The SkyPoint Federal Credit Union is a business credit card from SkyPoint Federal Credit Union. The annual fee is No annual fee. The ongoing APR is As low as 16.49% APR. Signup bonus: $250 if you spend $5,000 in the first 90 days. Rewards: 2% cash back on all categories. Typical credit limit: Credit limits $5,000 – $45,000. Loan terms: Revolving credit card.