St. Johns Bank Business MasterCard® Credit Card — The Central Trust Bank is a business credit card from The Central Trust Bank. The annual fee is No annual fees. The ongoing APR is 18.24% - 26.24% Variable. Approval typically requires a credit score of Good (670+) or higher. Rewards: Reward points for travel, merchandise, cash back (received as a statement credit) and gift cards, earned with every dollar spent (free rewards program). Cash back: Cash Back received in the form of a statement credit.. Typical credit limit: $5,000 - $50,000. Loan terms: Business billing: consolidated (central) or individual billing; weekly, semi-monthly or monthly cycle; if monthly, payment option "Pay In Full" or "Minimum Payment Due". 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%).