Business Cash Back Rewards Credit Card — First State Bank & Trust Company, Inc. is a business credit card from First State Bank & Trust Company, Inc.. The annual fee is No annual fee. The ongoing APR is 0% intro APR 6 months on purchases and transfers after a 0.00% introductory APR for 6 months. introductory rate for 6 months. Signup bonus: $250 Cash Back for the first $2,000 spent in the first 90 days. Rewards: 2% back on gas/travel/restaurants, 1% back on all other qualifying purchases.