The Gateway First Bank is a business credit card from Gateway First Bank. The annual fee is $35. The ongoing APR is 16.24% - 25.24% Variable after a 0% introductory rate for 7 months. Rewards: 1% cash back on everything you buy. Cash back: 1% cash back on everything you buy. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Bureau pull varies by state: Experian (~50%), Equifax (~30%), TransUnion (~7%).