The Banterra Bank is a business credit card from Banterra Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable. Rewards: low rate, cash back or flexible rewards. 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..