The Velocity Credit Union is a business credit card from Velocity Credit Union. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. The ongoing APR is 14.75% to 18.00% APR* after a 0% intro rate for 12 months* introductory rate for 12 months. Rewards: Earn 2X points with every purchase through the CURewards program, redeemable for dining, merchandise, gift cards, travel rewards, and cash. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).