The CONSUMER'S is a business credit card from CONSUMER'S. The annual fee is No annual fee. The ongoing APR is 12.74% – 22.99% after a 0% APR introductory rate for 13 months. Signup bonus: an extra $150 cash back. Rewards: Earn unlimited 1.50% cash back anytime for anything. Cash back: 1.50%. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).