The Southern Bank is a business credit card from Southern Bank. Application typically pulls a hard report from Experian. The annual fee is $0. Approval typically requires a credit score of 660 or higher. Signup bonus: Earn 30,000 Bonus Points when you spend $2,500 in the first 3 months.. Rewards: Unlimited reward points that don’t expire. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more.. Cash back: 1% cash back on all net purchases. 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.