The NATBANK is a business credit card from NATBANK. Application typically pulls a hard report from Experian. The annual fee is $249 for the first card; $49 for each additional card. The ongoing APR is 16.74% variable for purchases and balance transfers; 20.24% variable for cash advances (disclosure effective February 10, 2026; varies with Prime) after a 0.00% introductory APR for the first six (6) billing cycles on purchases, balance transfers and cash advances introductory rate. Rewards: Rewards. Loan terms: Revolving business credit card; payment due date at least 25 days after close of each billing period; no interest on purchases if the entire balance is paid by the due date; minimum interest charge no less than $1.00 (or state minimum). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Community bank card program via Card Services Center. Bureau pull data not publicly verified. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).