The CROSS VALLEY is a business credit card from CROSS VALLEY. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is 19.49% to 29.74%* based on your creditworthiness when you open your account. after a 0% introductory APR* for the first 6 billing cycles. introductory rate for 6 months. Signup bonus: Earn 15,000 points when you spend $500 within the first 90 days of account opening.. Rewards: 4x unlimited points on dining, take-out & food delivery, 2x unlimited points at grocery stores, grocery delivery, gas stations and streaming services, 1x unlimited points on all other eligible purchases.. Cash back: 5% cash back in two categories you choose, 2% unlimited cash back on one everyday category of your choice, 1% unlimited cash back on all other eligible purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). No personal guarantee is required.