The First State Bank and Trust is a business credit card from First State Bank and Trust. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is After that, your APR will vary with the market based on the Prime Rate and based on your creditworthiness. after a 0.00% introductory APR for 6 months. introductory rate for 6 months. Signup bonus: $250 Cash Back for the first $2,000 spent in first 90 days.. Rewards: 2% back on gas/travel/restaurants, 1% back on all other qualifying purchases. Cash back: 2% back on gas/travel/restaurants, 1% back on all other qualifying 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..