The Heritage Financial Credit Union is a business credit card from Heritage Financial Credit Union. Application typically pulls a hard report from Experian. The annual fee is Certain cards have an annual fee.. Rewards: we are pleased to provide you the opportunity to earn rewards with many of our credit card options.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..