The Community Bank of Mississippi is a business credit card from Community Bank of Mississippi. Application typically pulls a hard report from Experian. The annual fee is $0 for Standard Card; $49 for Preferred Points Rewards Card. The ongoing APR is 16.99%–25.99% for Low Rate; 20.99%–25.99% for Rewards; 18.99%–27.99% for Real Rewards after a 0% introductory rate for 18 months. Rewards: cash back, rewards. Cash back: 1.5% cash back for Real Rewards Card. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..