The United Bank of Michigan is a business credit card from United Bank of Michigan. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 16.49% to 25.49% 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 18 billing cycles on purchases, and on balances transferred within 558 days from account opening introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: $150 bonus Awarded when you spend $500 within the first 90 days.. Rewards: 5% cash rewards on eligible Net Purchases of prepaid air, car rental, attractions and hotel purchases made via the Travel Center; automatic $50 statement credit per card per 12-month period after $5,000 in net purchases per eligible card made via the Travel Center (account in good standing); rewards expire 5 years from when they are earned. Cash back: 5% in two categories of your choice, 2% on one everyday category, 1% on all other eligible purchases. Typical credit limit: $5,000 - $50,000. 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%).