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. 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..