The Arrow Bank National Association is a business credit card from Arrow Bank National Association. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is a variable APR based on the Prime Rate, between 17.74% - 27.74% APR after a 0% introductory APR on purchases and balance transfers for the first 12 billing cycles after the account is opened introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: Earn 15,000 bonus points ($150 equivalent) when you spend $500 in the first 3 billing cycles after the account is opened.. Rewards: Absolute Rewards for Business: 1.50 points (equal to 1.50% back) per $1 of net purchases, no limit on points earned; redeem for merchandise, gift cards, travel, cash back (statement credit, ACH deposit or check) or other goods and services; points expire on or after the third anniversary of when they were awarded. Cash back: 1.5% Cash Back. Typical credit limit: $300 - $5,000. Loan terms: Revolving business credit card; due date at least 20 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date each month; minimum payment: New Balance if under $35, otherwise the greater of 2% of the New Balance or $35, or fees and finance charges plus 1% of the New Balance; minimum interest charge $1.75. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).