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).