The Columbia State Bank is a business credit card from Columbia State Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.24% – 25.24% (Variable) after a 0% introductory rate for 18 months. Approval typically requires a credit score of 700+ or higher. Rewards: 5% on prepaid travel booked in the Rewards Center. Cash back: 5% on prepaid travel booked in the Rewards Center. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).