Rewards Platinum Visa Good Credit — TCM Bank is a personal credit card from TCM Bank. Application typically pulls a hard report from Experian. The annual fee is no annual fee. The ongoing APR is 16.74% - 26.74% variable after a 0% on purchases and balance transfers introductory rate for 12 months. Approval typically requires a credit score of 650 or higher. Rewards: Unlimited 1 point per dollar on net purchases; points don't expire. Cash back: 1%. Typical credit limit: $1,000-$15,000.