The Foresight Bank is a business credit card from Foresight Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.49% to 26.49% variable, based on creditworthiness (terms accurate as of 10/2026) after a 0% intro APR on purchases and on balance transfers (balances transferred within 366 days of account opening) introductory rate for 12 months. Signup bonus: $500 cash back when you spend $5,000 within the first 150 days. Rewards: 3% cash back on eligible purchases at dining (including takeout and restaurant delivery), gas and EV charging stations (transactions of $200 or less), office supply stores and cell phone service providers; 5% on prepaid car and hotel reservations booked in the Travel Center; 1% on all other eligible purchases. 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; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; optional Card ExtendPay fixed-payment plans. 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.