The Wilson Bank and Trust is a business credit card from Wilson Bank and Trust. The annual fee is No annual fee. The ongoing APR is Fixed rate based on your credit score. Rewards: Earn one (1) point for every dollar spent on qualifying purchases. Cash back: 1 point for every dollar spent on qualifying purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).