The First US Bank is a business credit card from First US Bank. Application typically pulls a hard report from Experian. The annual fee is $0. Approval typically requires a credit score of 700+ or higher. Signup bonus: $500 after spending $3,000 in the first 3 months. Rewards: 1% cash back on every purchase. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). PG verification: The personal guarantee requirement is accurate as this card does not require a personal guarantee. Underwritten by TCM Bank, N.A. (ICBA Payments). Processed by TCM Bank (ICBA). Primary bureau pull is Experian per myFICO community reports (https://ficoforums.myfico.com/t5/Credit-Cards/TCM-Bank-credit-cards-any-thoughts/td-p/6303273). TCM Bank is a subsidiary of ICBA Payments serving 750+ community banks and 530K+ customers. State-by-state breakdown estimated based on similar community bank processors — no crowdsourced state-level data exists for TCM specifically.