The JOURNEY is a business credit card from JOURNEY. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 17.24% to 28.24% based on your creditworthiness when you open your account. after a 0% introductory APR for the first 21 billing cycles. introductory rate for 21 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: 4% cash back on prepaid travel booked directly in the Travel Center when you use your card..