The BAY is a business credit card from BAY. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 13.74% Variable Rate after a 0% introductory rate for 15 months. Approval typically requires a credit score of Good to Excellent Credit or higher. Signup bonus: Earn 2,500 bonus points the first time you use your Business Visa Credit Card.. Rewards: Earn 1 point for every $1 spent on all purchases everywhere, every time-no matter how much you spend.. Cash back: 1% cash back on all qualifying purchases up to $100,000 annually. Typical credit limit: Up to $50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).