The O AND R UTILITIES EMPLOYEES is a business credit card from O AND R UTILITIES EMPLOYEES. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 17.24% to 28.24% based on your creditworthiness when you open your account. after a 0% introductory APR for the first 21 billing cycles. introductory rate for 21 months. Rewards: 4% cash back on prepaid travel booked directly in the Travel Center when you use your card..