The Pinnacle Bank is a business credit card from Pinnacle Bank. The annual fee is $0. The ongoing APR is 15.49% - 25.49% Variable after a 0% introductory rate for 12 months. Rewards: Rewards. Cash back: 3% cash back on travel and dining, 2% on gas and office supplies and 1% on everything else. 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%).