The 1st Source Bank is a business credit card from 1st Source Bank. Application typically pulls a hard report from Experian. The annual fee is $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees.. The ongoing APR is 18.24% to 25.24% based on your creditworthiness when you open your account.. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: 20,000 bonus points (worth up to $200) when you spend $500 on the Authorized Officer’s card within the first 90 days.. Rewards: Earn 20,000 Bonus Points, 2X points per $1 spent in your top two spend categories each month, and 1X points per $1 spent on all other eligible purchases.. 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). Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).