Business Credit Card — Y-12 Federal Credit Union is a business credit card from Y-12 Federal Credit Union. 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. Rewards: 1.5% cash back on every purchase. Cash back: 2% cash back. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).