The First Bank is a business credit card from First Bank. Application typically pulls a hard report from Experian. The annual fee is $99 Annual Fee+. The ongoing APR is 12.49% to 20.49%+ based on creditworthiness after a 0% Introductory APR+ on Purchases for 6 months introductory rate for 6 months. Signup bonus: Earn a $50 cash back bonus if you spend $1000 in the first 90 days*. Rewards: Earn 1% cash back for everyday purchases.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).