The FINGER LAKES is a business credit card from FINGER LAKES. The annual fee is NO Annual Fee!. The ongoing APR is 11.75 - 18.00% APR thereafter after a 0.00% APR introductory rate for the first 12 months on purchases and balance transfers. introductory rate for 12 months. Approval typically requires a credit score of Good (670+) or higher. Signup bonus: Earn 30,000 bonus points when you spend $3,500 in the first 90 days.. Rewards: Earn 1.5% on all purchases. Cash back: 1.5% cash back. Typical credit limit: $5,000 - $25,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).