Visa Business Platinum Cashback Rewards Credit Card — TCM Bank is a business credit card from TCM Bank. Application typically pulls a hard report from Experian. The annual fee is $79 annual fee. The ongoing APR is Annual Percentage Rate (APR) based on Wall Street Journal Prime Rate +10.00%. Rewards: 1% cash back on all qualifying purchases, on up to $100,000 in purchases annually (up to $1,000 cash back a year); cash back is an automatic credit to the credit card. Cash back: 1% cash back. 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.