Oak Valley Community Bank Visa® Business Credit Card — TCM Bank is a business credit card from TCM Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 15.74% to 26.74% based on creditworthiness; variable with the market based on Prime Rate (Purchase APR = Prime Rate plus a margin from 8.74% to 19.74%) (Credit Terms Supplement Rev 10-01-26) after a 0.00% introductory APR on purchases and balance transfers for the first 6 billing cycles from date of account opening introductory rate. Signup bonus: 3,000 bonus points after spending $3,000 total on everyday purchases within the first 90 days from account opening (new rewards cardholders only). Rewards: 1 ScoreCard point per $1 spent on qualifying business purchases; redeem for merchandise, travel, supplies or statement credits. Typical credit limit: Businesses with gross annual revenues of $1 million or less are eligible for credit limits up to $20,000; businesses with gross annual revenues over $1 million may request higher limits. Loan terms: Revolving business credit card; due date at least 25 days after the close of each billing period; no interest on purchases if the entire balance is paid by the due date; Average Daily Balance (including new transactions) method. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). 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.