The IRCO COMMUNITY is a business credit card from IRCO COMMUNITY. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.24% to 28.24% after a 0% introductory rate for 21 months. Approval typically requires a credit score of Fair Credit OK or higher. Rewards: Rewards. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).