The Columbia Bank is a business credit card from Columbia Bank. Application typically pulls a hard report from Experian. The annual fee is $99 annual fee. The ongoing APR is lowest variable APR after a 0% for 18 months introductory rate for 18 months. Signup bonus: $500 cash back sign-up bonus once you spend $5,000 on purchases within the first 90 days of account opening. Rewards: Earn 1% cash back rewards on everyday purchases. Cash back: 1% cash back rewards on everyday purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).