The DOWNEY is a business credit card from DOWNEY. The annual fee is $0. The ongoing APR is 18.24% - 26.24% Variable after a 0% for 6 billing cycles introductory rate for 6 months. Rewards: Earn 1 point for every $1 spent. Typical credit limit: $1,000 min → $25,000 max. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).