The Guaranty Bank & Trust, N.A. is a business credit card from Guaranty Bank & Trust, N.A.. The annual fee is $0. The ongoing APR is 15.49% - 25.49% Variable. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).