The Community Bank is a business credit card from Community Bank. Application typically pulls a hard report from Experian. The annual fee is 49.00. The ongoing APR is Competitive ongoing APR. after a 0% introductory rate for 6 months. Rewards: Earn one reward point for each dollar spent, up to 10,000 points per month.. Cash back: Yes, available on certain cards. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).