Business Points Plus Credit Card — Hancock Whitney Bank is a business credit card from Hancock Whitney Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is U.S. Prime Rate + 16.25% variable (index: The Wall Street Journal U.S. Prime Rate); 23.25% as of 10/13/2026 (Prime 7.00%) after a 0% introductory rate for 12 months. Rewards: 1.5 base points per $1.00 spent on eligible purchases, minus returns and refunds, redeemable for 1.5% cash back (also travel, gift cards and more); eligible purchases exclude balance transfers, cash advances, convenience checks, items returned for credit, unauthorized charges, interest and account fees, traveler's checks, foreign currency purchases, money orders, wire transfers and similar cash-like transactions, lottery tickets and gaming chips. 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.