The Citywide Bank is a business credit card from Citywide Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 7.24%–10.00% variable after 24 months after a 0% for 12 months introductory rate for 12 months. Rewards: 5% cash back at office supply stores (up to $10,000/yr net spend). Cash back: 5% cash back at office supply stores (up to $10,000/yr net spend). 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%).