The Bank of Southern California is a business credit card from Bank of Southern California. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.99% - 24.99% Variable. Approval typically requires a credit score of 690+ or higher. Typical credit limit: $5,000 - $50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).