The Desert Financial Credit Union is a business credit card from Desert Financial Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17%–29% after a 0% introductory rate for 12 months. Approval typically requires a credit score of 700 or higher. Rewards: Cash back for your business. Cash back: Cash back redeemable as statement credit, rewards card, or deposit. Typical credit limit: $10,000 starting limit. 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..