For businesses with 10 or more cardholders authorized to make purchases. You must be at least 18 years of age to apply, and you must reside in Arkansas, Kansas, Missouri or Oklahoma. Annual Fee: $0 with no rewards program; Either $4.95 per month or $49.95 annually with optional business rewards program. 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.