The BankFinancial is a business credit card from BankFinancial. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.49% – 21.49% after a 0% introductory rate for 12 months. Rewards: 1 point per $1 spent (1.25 points for $5,000+). Cash back: Cash back, merchandise, gift cards, statement credits, travel. Typical credit limit: Up to $5,000+ (requires deposit account). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus.. Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).