The Wise Business Plans Tier 1 is a vendor tradeline from Wise Business Plans. The annual fee is $99 annual fee (required to maintain account); minimum spend ~$164 to activate Personal Guarantee: N. The ongoing APR is 0% — No interest. Wise Business Plans Reports to: Experian Business, Equifax Business, and Creditsafe Limits: Typically start at $500–$2,000; can increase with consistent use and good history Fees: $99 annual fee (required to maintain account); minimum spend ~$164 to . Limits: Typically start at $500–$2,000; can increase with consistent use and good history Fees: $99 annual fee (required to maintain account); minimum spend ~$164 to activate Personal Guarantee: No PG require | PG verification: Many business credit products require a personal guarantee, and this should be verified with the issuer.