Business Platinum Rewards Mastercard — TCM Bank is a business credit card from TCM Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is Variable APR: Prime + 9.74% to Prime + 15.74%, based on creditworthiness; APR will not exceed 23.99% after a 0% introductory rate for 12 months. Rewards: Unlimited 1% cash back on every dollar you spend on everyday business expenses; no limit to the cash back you can earn; redeem for a statement credit or to your business account with no minimum. Cash back: 1% cash back on everyday business expenses. 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.