The Cogent Bank is a business credit card from Cogent Bank. The annual fee is $35 annual fee. The ongoing APR is 16.50% after a 0% introductory rate for 7 months. Rewards: 1% cash back on every dollar you spend. Cash back: Cash Back on Cash Back card. 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%).