The L & N is a business credit card from L & N. Application typically pulls a hard report from Experian. The annual fee is $35. The ongoing APR is Variable APR typically ranges from 12.99% to 24.99% after a 0% Introductory APR introductory rate for 6 months. Signup bonus: $50 cash back for $1,000 in purchases in the first 90 days.. Rewards: 2% on gas purchases, 1% on all other purchases.. Cash back: 2% on gas purchases, 1% on all other purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).