The Earniva Business Master is a business credit card from Earniva Business Master. The annual fee is $99/year. Approval typically requires a credit score of 300 or higher. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Designed for bad/imperfect credit. Reports to all 3 personal bureaus (Equifax, Experian, TransUnion). Helps build credit with on-time payments.