The Queensborough National Bank & Trust Company is a business credit card from Queensborough National Bank & Trust Company. The annual fee is $0. The ongoing APR is 20.24% variable APR for purchases and balance transfers (varies with the Prime Rate; disclosures effective February 10, 2026) after a 0.00% introductory APR on purchases, balance transfers and cash advances for the first six billing cycles introductory rate. Rewards: Everywhere Rewards Payback: 1 point per $1 of qualifying net purchases; points redeemable for cash back (minimum $25 per redemption, as statement credit or deposit) or fuel discounts; points expire 3 years after issuance. Loan terms: Revolving business credit card; payment due date at least 25 days after the close of each billing period; no interest on purchases if the entire balance is paid by the due date. 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%).