The Bay Port State Bank is a business credit card from Bay Port State Bank. Application typically pulls a hard report from Experian. The annual fee is $79 for Cash Back Rewards Card, $0 for Platinum Benefits Card. The ongoing APR is 18.24% - 26.24% Variable. Approval typically requires a credit score of Good (670+) or higher. Rewards: Cash Back. Cash back: 1% cash back on all qualifying purchases up to $100,000 annually for Cash Back Rewards Card. Typical credit limit: $5,000 - $50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).