Summit — Blue Ridge Bank is a business credit card from Blue Ridge Bank. The annual fee is $0. The ongoing APR is 20.99% to 29.99% based on your creditworthiness (after the 12-month intro) after a 0% introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: Welcome bonus of 30,000 points when you spend $3,000 in the first 90 days. Rewards: 4x points per $1 at restaurants (full-service and fast food); 2x at gas stations, utilities and groceries; 1x on all other purchases; redeem for cash back, gift cards or merchandise. Cash back: $25 credit when you sign up for a streaming service. Typical credit limit: $5,000 - $50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).