Business No Fee Card — TIB, National Association is a business credit card from TIB, National Association. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% variable (Prime Rate + 10.99%; the Account will never have an APR over 21%) (disclosure accurate as of July 1, 2026). Rewards: Earn up to 4X points AND receive 15,000 bonus points. Cash back: 5% cash back in two categories of your choice, 2% unlimited cash back on one everyday category, 1% unlimited cash back on all other eligible purchases. Loan terms: Revolving; minimum payment equals the New Balance if under $25, otherwise the greater of 3% of the New Balance or $25, plus any amount over the credit limit and any past-due amount; due date at least 25 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).