The Bay Coast Bank is a business credit card from Bay Coast Bank. The annual fee is $0 first year, then $95. The ongoing APR is 23.24% (variable, Prime-based) after a 0% introductory rate for 6 months. Rewards: 3% cash back on travel & dining, 2% on gas, 1% on all other purchases. Cash back: 3% on travel & dining, 2% on gas, 1% on other purchases. 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%).