The Southern Michigan Bank & Trust is a business credit card from Southern Michigan Bank & Trust. The annual fee is $29.00 per card. The ongoing APR is 20.24% variable (terms dated Feb 10, 2026) after a 0.00% introductory APR for the first six (6) billing cycles on purchases, balance transfers and cash advances introductory rate. Rewards: Everywhere Rewards: 1 point per $1 of qualifying net purchases; points redeemable for gift cards, cash back, fuel discounts, experiences/theme parks, event tickets, travel, merchandise or charity; points expire on the last day of the month three (3) years after issuance. Loan terms: Revolving business credit card; payment due date at least 25 days after the close of each billing period; no interest on purchases if the entire balance is paid by the due date each month. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Community bank card program via Card Services Center. Bureau pull data not publicly verified. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).