The Lumbee Guaranty Bank is a business credit card from Lumbee Guaranty Bank. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 15.99% - 24.99% Variable after a 0% Introductory Rate introductory rate. Rewards: Rewards. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Community bank card program via Card Services Center. Bureau pull data not publicly verified. Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).