The Nicolet National Bank is a business credit card from Nicolet National Bank. The annual fee is $0. The ongoing APR is Prime + 4.9% to Prime + 16.9% after a 0% for 7 billing cycles introductory rate for 7 months. Rewards: Cash Back. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).