The Carter Bank is a business credit card from Carter Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.24% - 26.24% Variable after a 0% for 18 months introductory rate for 18 months. Signup bonus: $200 bonus. Rewards: Earn a $200 bonus and 2x rewards on top 2 spend categories. Cash back: 2x rewards on top 2 spend categories. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..