The Public Service Credit Union is a business credit card from Public Service Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.49% to 26.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026) after a 0% introductory APR for the first 12 billing cycles on purchases, and on balances transferred within 366 days from account opening introductory rate for 12 months. Signup bonus: $500 cash back when you spend $5,000 within the first 150 days. Rewards: 3% cash back per dollar on eligible Net Purchases at dining (including takeout and restaurant delivery), gas and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters; gas/EV purchases over $200 earn 1%), office supply stores and cell phone service providers; 1% cash back on all other eligible Net Purchases; 5% (1% base + 4% bonus) on prepaid car and hotel reservations purchased in the Travel Center; rewards expire 5 years from when they are earned. Cash back: 5% cash back in two categories of your choice, 2% unlimited cash back on one everyday category, 1% unlimited cash back on all other eligible purchases. Loan terms: Revolving business credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; Card ExtendPay fixed-payment plans may be offered. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).