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.