The First Mid Bank & Trust is a business credit card from First Mid Bank & Trust. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 16.49% to 25.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026) after a 0% introductory APR for the first 18 billing cycles on purchases, and on balances transferred within 558 days from account opening introductory rate. Rewards: 5% cash rewards on eligible Net Purchases for prepaid air, car rental, attraction and hotel purchases made via the Travel Center; automatic $50 statement credit per card per 12-month period after $5,000 in net purchases per eligible card made via the Travel Center; rewards expire 5 years from when they are earned. Loan terms: Revolving business credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; Card ExtendPay fixed-payment plans may be offered. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by TCM Bank, N.A. (subsidiary of ICBA Payments). Community bank white-label card program. Bureau pull data not publicly verified. 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.