The First State Bank is a business credit card from First State Bank. The annual fee is $0. The ongoing APR is between 18.99% and 28.99% after a 0% for 12 months introductory rate for 12 months. Signup bonus: Earn 15,000 bonus points ($150 equivalent) when you spend $500 in the first 3 billing cycles after the account is opened.. Rewards: 5x points per $1 spent on travel, 3x points per $1 spent on streaming services, 2x points per $1 spent on fuel, 1x point per $1 spent on all other purchases. Cash back: 1.5%. Typical credit limit: $300 - $5,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).