The GULF COAST EDUCATORS is a business credit card from GULF COAST EDUCATORS. The annual fee is None. The ongoing APR is 6.99% – 18.00% after a 0% APR introductory rate for 6 months. Rewards: Earn 1 point for every $1 spent. Cash back: 1 point for every $1 spent. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).