The Bay Federal Credit Union is a business credit card from Bay Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.49% variable (Prime Rate + 6.99% margin; maximum APR 18%) (agreement effective December 20, 2024) 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: 1 BayREWARDS point per $1 of qualifying transactions on the Bay Federal Business Credit Card. Cash back: 1% cash back on all qualifying purchases up to $100,000 annually. Typical credit limit: Up to $50,000. Loan terms: Revolving; minimum payment is the greater of 4% of the New Balance or $25 (or the full balance if under $25). 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%).