The BankFirst is a business credit card from BankFirst. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is Prime + 6.74% to 17.74% after a 0% for first 6 billing cycles introductory rate for 6 months. Signup bonus: 10,000 pts ($100) after $3K spend in first 3 months. Rewards: flexible rewards for your business. Cash back: 1% on all purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).