The Community Bank & Trust a Division of Cedar Rapids Bank & Trust is a business credit card from Community Bank & Trust a Division of Cedar Rapids Bank & Trust. The annual fee is no annual fee. The ongoing APR is low interest and no penalty APR. Rewards: Cashback, statement credit, travel, merchandise and gift cards. Cash back: Cashback, statement credit, travel, merchandise and gift cards. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).