The International Bank of Commerce is a business credit card from International Bank of Commerce. The annual fee is $0. The ongoing APR is between 18.99% and 28.99% after a 0% for 12 months introductory rate for 12 months. Signup bonus: Earn 15,000 bonus points ($150 equivalent) when you spend $500 in the first 3 billing cycles after the account is opened.. Rewards: 1.5% Cash Back on every purchase. Cash back: 1.5%. Typical credit limit: $300 - $5,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).