The NIH Federal Credit Union Visa Business Rewards is a business credit card from NIH Federal Credit Union Visa Business Rewards. The annual fee is $0. The ongoing APR is Prime +7.74%. Rewards: 2X points on select business categories (medical equipment, office furniture, office supplies, cable/satellite). Cash back: 2X Rewards on medical equipment-related purchases and other select categories. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). No personal guarantee is required. Soft pull on personal credit (Equifax) per myFICO community data points. Membership open to anyone via affiliated organization donation. Initial limits typically $5,000-$10,000.