Mastercard® Business Platinum Rewards — Pinnacle Bank, a Tennessee bank, d/b/a Apex Cardmember Services is a business credit card from Pinnacle Bank, a Tennessee bank, d/b/a Apex Cardmember Services. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is lowest variable APR after a 0% for 18 months introductory rate for 18 months. 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).