Cash Rewards Platinum Credit Card Good Credit — TCM Bank is a personal credit card from TCM Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% - 26.99% variable (terms dated Jan 30, 2026) after a 0% introductory APR on purchases and balance transfers introductory rate for 12 months. Approval typically requires a credit score of 670 or higher. Rewards: 1% cash back on net purchases. Cash back: 1%. Typical credit limit: $1,000-$25,000. This product reports activity to your personal credit report.