The CAROLINAS TELCO is a business credit card from CAROLINAS TELCO. Application typically pulls a hard report from Experian. The annual fee is No Annual Fee. The ongoing APR is 12.95% - 13.95% after a 0% APR introductory rate for 9 months. Rewards: 2% Cash Back. Cash back: 2% Cash Back. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).