The Charles Schwab Premier Bank is a business credit card from Charles Schwab Premier Bank. The annual fee is $0. The ongoing APR is 19.49%–28.49% variable after a 0% introductory rate for 6 months. Signup bonus: $200 statement credit after $1,000 spend in 3 months. Rewards: 1.5% on all purchases. Cash back: 1.5% on all purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).