The Banner Banks is a business credit card from Banner Banks. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable (Prime + 5.74% – 10.74% for Purchases) after a 0% introductory rate for 12 months. Signup bonus: Earn 15,000 points (worth up to $150) when you spend $500 within the first 90 days. Rewards: Included (no extra cost for Business Cash Rewards). Cash back: Cash rewards on all purchases for Business Cash Rewards card. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..