The Community Bank is a business credit card from Community Bank. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 16.99%–25.99% (variable) after a 0% Introductory Rate introductory rate for 6 months. Rewards: Rewards. Cash back: 1.5 pts/$1 (≈1.5% cash back). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Community bank card program via Card Services Center. Bureau pull data not publicly verified. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).