The Bank of Texas is a business credit card from Bank of Texas. Application typically pulls a credit report from TransUnion. The annual fee is $0 introductory annual fee for the first 12 months, then $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 after $500 in eligible purchases within 90 days. Rewards: 1 point per $1 on eligible purchases; 2 points per $1 in your top 2 highest-spend categories each billing cycle; 5 points per $1 on prepaid car and hotel reservations booked in the Travel Center.