The First Capital Federal Credit Union is a business credit card from First Capital Federal Credit Union. The annual fee is $0. The ongoing APR is 13.74% to 18.00% (rates effective as of October 1, 2026). Approval typically requires a credit score of 580 or higher. Signup bonus: 250 bonus points for enrolling in Business Rewards. Rewards: 1 point for every dollar spent (CURewards); extra points by shopping through the CURewards Mall; points redeemable for merchandise, gift cards, travel, cash back and more. Typical credit limit: $2,500 minimum (credit limits can be set for each cardholder). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).