Cash 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 $0. The ongoing APR is 17.74% - 26.99% variable after a 0% for 12 months introductory rate for 12 months. Approval typically requires a credit score of 680 or higher. Rewards: Unlimited 1% cash back on every purchase. Cash back: 1%. Typical credit limit: $1,000-$20,000.