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).