The Colony Bank is a business credit card from Colony Bank. The annual fee is $0. The ongoing APR is 20.49% variable after a 9.49% introductory rate for 6 months. Signup bonus: Spend $10,000 during the first 90 days and earn a bonus of 50,000 points.. Rewards: Earn 1.5 points on purchases and a possible bonus of 50,000 points.. Cash back: 1% cash back on all qualifying purchases (Business Cash Rewards). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Primary bureau pull: Equifax per community data.