The River City Bank is a business credit card from River City Bank. Application typically pulls a hard report from TransUnion. The annual fee is $79. The ongoing APR is Prime Rate published in The Wall Street Journal + 10.00% (variable; purchases, balance transfers and cash advances) after a 0% intro APR introductory rate for 7 months. Rewards: 1% cash back on Net Purchases, up to $100,000 per calendar year (max $1,000 rebate per year), credited quarterly. Cash back: 1% cash back on every dollar you spend. Loan terms: Revolving business credit card; due date at least 25 days after each billing-cycle close; no interest on purchases if paid in full; minimum interest charge $2.00. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).