The United States Senate Federal Credit Union is a business credit card from United States Senate Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is None ("No annual fee"). Rewards: Smart Rewards: $4 = 1 point on qualifying signature-based purchases; no points on cash advances, balance transfers or PIN-based transactions. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). One Experian pull for multiple products. Join via US Capitol Historical Society ($65) or VACC (free with promo code USSFCU). Strict on ChexSystems.