The People's Bank of Commerce is a business credit card from People's Bank of Commerce. Application typically pulls a hard report from Experian. The annual fee is $299. Rewards: Rewards. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Community bank card program via Card Services Center. Bureau pull data not publicly verified. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).