The United Community Bank is a business credit card from United Community Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.74% - 20.74% Variable after a 0% introductory rate for 7 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: One-time bonus of 15,000 points when you spend $3,000 in the first 90 days of account opening. Rewards: 15,000 bonus points when you spend $3,000 in the first 90 days. Cash back: 1.5% on every purchase. Typical credit limit: $5,000 - $50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).