The Centris Federal Credit Union is a business credit card from Centris Federal Credit Union. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 14.99% - 24.99% Variable after a 1.99% introductory rate for 6 months. Rewards: Yes. Cash back: Yes. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).