Business Cash Preferred Card — Bank of Tennessee is a business credit card from Bank of Tennessee. The ongoing APR is Intro APR * for Purchases and Balance Transfers: 0% introductory APR for the first 12 billing cycles. After that, 17.49% to 26.49% based on your creditworthiness when you open your account.. Rewards: Cash back for your business 3% cash back On eligible purchases at gas and EV charging stations (transactions of $200 or less), ** cell phone service.