The Freedom First Credit Union is a business credit card from Freedom First Credit Union. The annual fee is $0. The ongoing APR is 24.49% (Variable). Approval typically requires a credit score of 740-850 or higher. Signup bonus: Earn a one-time $200 cash bonus after spending $500 on purchases in the first three months from account opening.. Rewards: Earn 1.5% cash back on every purchase with no limits.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).