The First Financial Federal Credit Union is a business credit card from First Financial Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 18.24% - 26.24% Variable. Rewards: Cash rebate on purchases (rate not stated on the page). Loan terms: Revolving business credit card with a full month grace period on purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).