A business credit card designed for businesses who need a small number of cards and have moderate reporting needs. You must be at least 18 years of age to apply, and reside in Arkansas, Kansas, Missouri or Oklahoma. APRs for Purchases, Balance Transfers and Cash Advances: 0.00% fixed for 6 months, thereafter 14.24% variable. Annual Fee: $0. Grace Period: You have 25 days on average to repay your balance before a Finance Charge will be posted. Cash Advance Fee: 4% of the transaction amount with a minimum of $4.