The US Senate Federal Credit Union Business is a business credit card from US Senate Federal Credit Union Business. Application typically pulls a hard report from Experian. Rewards: Smart Rewards Program. 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.