The Finger Lakes Federal Credit Union is a business credit card from Finger Lakes Federal Credit Union. The annual fee is $0. The ongoing APR is 12.50% - 18.00% variable APR after the introductory period after a 0.00% APR introductory rate for the first 12 months on purchase 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: 1.5% unlimited rewards on all purchases. Cash back: 1.5% cash back. Typical credit limit: Up to $25,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).