The Idaho Trust Bank is a business credit card from Idaho Trust Bank. Application typically pulls a credit report from TransUnion. The annual fee is No annual fee. The ongoing APR is 17.49% to 26.49% variable, based on creditworthiness (terms accurate as of 10/2026) after a 0% introductory APR for the first 12 billing cycles on purchases and balance transfers introductory rate. Signup bonus: $500 cash back when you spend $5,000 within the first 150 days. Rewards: 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less, excluding discount stores/supercenters and wholesale clubs), cell phone service providers, office supply stores and dining, including takeout and food delivery; 1% cash back on all other eligible purchases; 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center.