The Heritage Bank, Inc. is a business credit card from Heritage Bank, Inc.. Application typically pulls a hard report from Experian. 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 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). Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..