The Zions Bank is a business credit card from Zions Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% variable APR after a 0% for 6 months introductory rate for 6 months. Signup bonus: $1,000 cash back when you spend $5,000 in the first 120 days. Rewards: 3% cash back on common business purchases, 2% cash back on select travel purchases and 1% cash back on everything else. Cash back: 3% on common business purchases, 2% on select travel purchases, 1% on everything else. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).