Business Rewards Visa — TopLine Financial Credit Union is a business credit card from TopLine Financial Credit Union. The annual fee is No annual fee, no foreign transaction fees, and no over-the-limit fees.. The ongoing APR is Low variable APR from 15.75% to 17.89% based on creditworthiness.. Rewards: Earn 1.5 points for every dollar spent. Points can be used for cash back, travel, merchandise or charity..