The Heritage Bank is a business credit card from Heritage Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is Variable APR typically ranges from 12.99% to 24.99% after a 0% introductory rate for 6 months. Signup bonus: $500 Cash Back Bonus when you spend $5,000 in the first 90 days of account opening.. Rewards: Cash back rewards on daily business purchases; cash back can be redeemed for a statement credit or direct deposit. Cash back: 3% on travel and dining, 2% on gasoline, 1% on everything else. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).