The Leominster Credit Union is a business credit card from Leominster Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0; World – $35 and $29 for each additional card; World Elite – $299 and $49 for each additional card.. The ongoing APR is 16.75% after a 0% introductory rate for 12 months. Rewards: Cash Back. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..