Corporate Rewards — 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. Application typically pulls a hard report from Equifax or TransUnion (varies). The annual fee is no annual fee. The ongoing APR is Prime Rate + 4.95%, variable (For Purchase transactions, we add a Margin of 4.95% to the Prime Rate. The Purchase APR may increase or decrease each month if the Prime Rate changes.). 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).