The Illinois State Credit Union is a business credit card from Illinois State Credit Union. The annual fee is No annual fee. The ongoing APR is 19.9% after a 0% introductory rate for 6 months. Rewards: 1% cash back on all purchases. Cash back: 1% cash back on all purchases. Typical credit limit: $250 and up. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).