The First Bank is a business credit card from First Bank. The annual fee is $0. The ongoing APR is 15.99% (quote based on the Prime Rate in effect as of December 1, 2019) after a 0.00% introductory purchase APR introductory rate for 9 months. Signup bonus: Spend $2,000 in the first 90 days from account opening and earn 20,000 Bonus Rewards Points.. Rewards: Earn 2X Points per dollar on purchases in the top two merchant categories each month and 1 Point per dollar on purchases everywhere else Visa is accepted.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).