Smart Business Rewards Card — Sturdy Savings Bank is a business credit card from Sturdy Savings Bank. The annual fee is $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees.. The ongoing APR is APR for Purchases and Balance Transfers: 18.49% to 25.49% based on your creditworthiness when you open your account.. Rewards: More Rewards. Less Rules. 2X points Per $1 spent in your top two spend categories each month – automatically 7 1X points Per $1 spent on all other eligible purchases 20,000 bonus points (worth up to $200 3 ) When you spend $500 on.