The Friend Bank is a business credit card from Friend Bank. Application typically pulls a hard report from Experian. The ongoing APR is 33.65% after a 0% introductory rate for 12 months. Rewards: 1% cash back, with no spending limit or limit on rewards for qualifying purchases. Cash back: 1% cash back, with no spending limit or limit on rewards for qualifying purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).