The First State Bank of the Southeast, Inc is a business credit card from First State Bank of the Southeast, Inc. The annual fee is no, our Visa Signature Rewards Credit Card does not have an annual fee!. The ongoing APR is 14.99 % -18.00 % APR* after a 0 % APR* introductory rate for 12 months. Signup bonus: $200 cash bonus (20,000 bonus points) when you spend $1,000 in the first 90 days.. Rewards: a guaranteed minimum of 1.5% cash back on every purchase.. Cash back: 1.5% - 2%. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).