The SUMMIT is a business credit card from SUMMIT. The annual fee is No annual fees. The ongoing APR is varies with Prime rate after that after a 0% intro rate for 12 months introductory rate for 12 months. Rewards: 3% cash back on airlines, 2% cash back on hotels and dining, 1.5% cash back on all other purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).