The Blue Ridge Bank is a business credit card from Blue Ridge Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 18.99% to 25.99% based on your creditworthiness (after the 12-month intro) after a 0% intro APR on purchases for the first 12 months after account opening introductory rate for 12 months. Signup bonus: $100 welcome bonus when you spend $1,000 in the first 90 days. Rewards: Enjoy rewards designed to add value to your everyday financial life.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).