The Consumers Credit Union is a business credit card from Consumers Credit Union. The annual fee is $0. 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 1 point for every $1 spent; earned rewards points can be redeemed at 1% cash back through statement credit. Cash back: 1.50%. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).