The Southwest Heritage Bank is a business credit card from Southwest Heritage Bank. The annual fee is $0. The ongoing APR is 15.99% - 24.99% Variable after a 0% introductory rate. Approval typically requires a credit score of Good (700+) or higher. Rewards: 1.5% cash back on all purchases. Typical credit limit: $5,000 - $50,000. Community bank card program via Card Services Center. Bureau pull data not publicly verified. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).