The HomeTown Bank is a business credit card from HomeTown Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.99% to 25.99% variable, based on creditworthiness; varies with the Prime Rate (disclosure accurate as of October 13, 2026) after a 0% introductory APR on purchases and balance transfers for 6 months introductory rate for 6 months. Rewards: 1 point per $1 on net purchases (unlimited); redeemable for merchandise and travel rewards through cRewards. Cash back: 1% cash back on all net purchases. Loan terms: Revolving business credit card; due date at least 23 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; minimum interest charge $1.00; balance computed by average daily balance (including new purchases). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).