The Fidelity State Bank and Trust Company is a business credit card from Fidelity State Bank and Trust Company. Application typically pulls a hard report from Experian. The annual fee is $0. 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%).