The CENLA is a business credit card from CENLA. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 9.9% to 12.6% after a 0.00% introductory rate for 6 months. Rewards: Earn points on all of your everyday purchases that can be redeemed for travel, merchandise, or gift cards.. Cash back: 1 Point/Dollar. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).