The 21st Century Bank is a business credit card from 21st Century Bank. Application typically pulls a credit report from TransUnion. The annual fee is $0 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. Signup bonus: 20,000 points after $500 on the authorized officer's card within 90 days. Rewards: 2X points in your top two spend categories each month; 1X on other purchases.