The Banc of California is a business credit card from Banc of California. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.24% – 26.24% variable after a 0% introductory rate for 18 months. Rewards: cash back. Cash back: 1% cash back on every purchase. 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..