The FNB Oxford Bank is a business credit card from FNB Oxford Bank. The annual fee is $35. The ongoing APR is Annual Percentage Rate (APR) based on Wall Street Journal Prime Rate after a 0% intro APR on purchases for the first 7 billing cycles after account opening introductory rate for 7 months. Rewards: get 1% cash back on every dollar you spend. Cash back: 1% cash back on all qualifying purchases. 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%).