The Legacy Bank is a business credit card from Legacy Bank. The annual fee is $0. The ongoing APR is variable APR based on the New York Prime Rate after a 0% introductory rate for 7 months. Rewards: 1% cash back on all purchases. Cash back: 1% on all 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%).