The BankSouth is a business credit card from BankSouth. Application typically pulls a hard report from Experian. The annual fee is $79. The ongoing APR is Prime Rate published in The Wall Street Journal + 10.00% (variable; purchases, balance transfers and cash advances) 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 on net purchases, credited quarterly; up to $100,000 in net purchases per calendar year ($1,000 maximum rebate per year). 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%).