The City First Bank, N.A. is a business credit card from City First Bank, N.A.. Application typically pulls a credit report from TransUnion. The annual fee is No annual fee. 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 0% introductory APR for the first 18 billing cycles introductory rate. Rewards: 5% cash back on prepaid travel booked directly in the Travel Center when you use your card.