The SmartBank is a business credit card from SmartBank. Application typically pulls a credit report from TransUnion. The annual fee is No annual fee. The ongoing APR is 16.49% to 25.49% variable, based on creditworthiness (terms accurate as of 10/2026) after a 0% introductory APR for the first 18 billing cycles on purchases and balance transfers introductory rate. Rewards: 5% cash back on prepaid travel booked directly in the Travel Center; $50 annual statement credit when you spend $5,000 in the Travel Center; cell phone protection up to $600; one 3-month $0 fee ExtendPay Plan each calendar year after the introductory APR ends.