The Alerus is a business credit card from Alerus. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.99%–27.99% after a 0% introductory rate for 6 months. Signup bonus: $25 cash back after your first purchase. Rewards: Earn 3% cash back on eligible purchases at gas stations, office supply stores, restaurants, and more; 1% unlimited cash back on all other eligible net purchases. Cash back: 3% on eligible purchases, 1% on all other purchases. 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..