The DIRECT is a business credit card from DIRECT. The annual fee is No Annual fees. The ongoing APR is 8.49% after a 0.00% introductory rate for 6 months. Rewards: 1% Cash Back on purchases. Cash back: 1% Cash Back on all your purchases. Typical credit limit: $25,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).