The Oregon Pacific Banking Company dba Oregon Pacific Bank is a business credit card from Oregon Pacific Banking Company dba Oregon Pacific Bank. The annual fee is $0. The ongoing APR is Wall Street Prime Rate + 10.00%. Rewards: 1% cash back. Cash back: 1% cash back. 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%).