The Everence Trust Company Business is a business credit card from Everence Trust Company Business. The annual fee is no annual fees. The ongoing APR is 9.90% to 13.90%. Rewards: Earn reward dollars for your favorite charitable organization – your Neighbor – through your normal spending.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Faith-based financial institution. Requires 1 year tax return. Business credit cards for businesses and congregations.