The First Financial Northwest Bank is a business credit card from First Financial Northwest Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee for one year, then $25 if your credit limit is less than $1,000 and $55 if your credit limit is equal to or greater than $1,000. The ongoing APR is 33.65% after a 0% introductory rate for 12 months. Rewards: Up to 3% cash back on eligible net business purchases. Cash back: Up to 3% cash back. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus.. Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).