The United Community Bank is a business credit card from United Community Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.99% - 25.99% Variable after a 0% introductory rate for 13 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: Rewards. Cash back: true. Typical credit limit: $5,000 - $50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).