The Primary Bank is a business credit card from Primary Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Variable, typically around 14.99% - 24.99% after a 0% introductory rate for 21 months. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).