The MyHT Bank is a business credit card from MyHT Bank. Application typically pulls a hard report from Experian. The annual fee is 0. The ongoing APR is 0% introductory APR for the first six months on purchases and balance transfers after a 0% introductory rate for 6 months. Rewards: one point per dollar on net purchases. Cash back: 1% cash back on all net purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).