The Bank Five Nine is a business credit card from Bank Five Nine. Application typically pulls a credit report from TransUnion. The annual fee is $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees.. The ongoing APR is 18.49% to 25.49% variable, based on creditworthiness, varies with the Prime Rate after a No introductory APR introductory rate. Signup bonus: 20,000 bonus points when you spend $500 on the Authorized Officer's card within the first 90 days. Rewards: 2X points per $1 in your top two spend categories each month; 1X points on all other eligible purchases; 5X points on prepaid hotels and car rentals booked directly in the Travel Center.