Business World Elite — City Bank (Lubbock, TX) is a business credit card from City Bank (Lubbock, TX). The annual fee is $95 annual fee after first year. The ongoing APR is 16.74%-23.74%, based on credit. Signup bonus: $500 cash back when $5,000 is spent in the first 90 days. Rewards: 3% cash back on travel and dining, 2% cash back on gasoline, and 1% cash back on everything else.