The Paducah Bank is a business credit card from Paducah Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable 15.99% - 25.99%. Signup bonus: 20,000 points after spending $500 in first 90 days. Rewards: 1 Point for every dollar in eligible net purchases; 2 Points for every dollar in eligible net purchases in top two highest merchant spend categories.. Cash back: 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other net purchases will earn 1% cash back.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).