The CLASS ACT is a business credit card from CLASS ACT. Application typically pulls a hard report from Experian. The annual fee is no annual fee. The ongoing APR is as low as 12.75% APR* after a 0% introductory rate for 6 months. Rewards: 1% cash back. Cash back: 1% cash back. Typical credit limit: $25,000. Loan terms: $25,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).