The All One Credit Union is a business credit card from All One Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 20.24% variable APR for purchases and balance transfers (varies with the Prime Rate) after a 0% introductory APR for the first six (6) billing cycles on purchases, balance transfers and cash advances introductory rate for 12 months. Rewards: Everywhere Rewards Payback: 1 point per $1 of net qualifying purchases; points redeem for cash back (minimum $25 per redemption) or fuel discounts; points expire 3 years after issuance. Loan terms: Revolving credit card; payment due at least 25 days after the close of each billing period; no interest on purchases if the entire balance is paid by the due date; minimum interest charge $1.00 (or state minimum). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).