The Farmers Bank and Trust Company is a business credit card from Farmers Bank and Trust Company. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 17.74% to 27.99% after a 0% introductory APR introductory rate for 12 months. Signup bonus: Earn 15,000 points (worth up to $150) When you spend $500 within the first 90 days. Rewards: Earn up to 4X points AND receive 15,000 bonus points. Cash back: Redeem for cash-back awards. Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).