The BayCoast Bank is a business credit card from BayCoast Bank. The annual fee is $0. The ongoing APR is Prime + 9.74% to Prime + 15.74% based on credit score after a 0% introductory rate for 6 months. Rewards: 1% cash back on all purchases, usable for statement credits or a direct deposit into your checking account; no limit on cash back earnings. 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%).