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). Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).