Business Har-co card — Har-Co Credit Union is a business credit card from Har-Co Credit Union. Application typically pulls a credit report from TransUnion. The annual fee is $0. The ongoing APR is Variable, based on the Prime Rate and creditworthiness: as low as 13.74% for credit limits of $25,000 or less; as low as 16.74% for credit limits above $25,000 after a 0% APR for first 6 months on purchases; 8.74% APR for first 6 months on balance transfers (3% balance transfer fee) introductory rate for 6 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: 5% cash back at The Mill, Barrett's on the Pike, and Party Palace; 1% cash back everywhere else; cash back credited quarterly as statement credit. Cash back: 2% everywhere else + 5% at local favorites. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).