The United Community Bank is a business credit card from United Community Bank. The annual fee is No annual fee. The ongoing APR is 15.49% - 20.49% Variable Purchase APR after the introductory period; APRs vary with the market based on the Prime Rate after a 0% Introductory APR for the first 7 billing cycles on purchases and balance transfers introductory rate. Signup bonus: One-time bonus offer of 30,000 points after spending $8,000 in the first 90 days of account opening. Rewards: Earn 1.5% on every purchase; redeemable for gift cards, merchandise, travel, or cash back credit.