The Bank South is a business credit card from Bank South. Application typically pulls a hard report from Experian. The annual fee is $35. The ongoing APR is APR of Wall Street Journal Prime Rate plus 8% after a 0% introductory Annual Percentage Rate (APR) on purchases for the first 7 billing cycles introductory rate for 7 months. Rewards: 1% cash back, with no spending limit and no limit on rewards. Cash back: 1% cash back. 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%).