Business Cash Rewards Credit Card — TCM Bank is a business credit card from TCM Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.49% to 27.49%, based on your creditworthiness; variable with the Prime Rate (margin 10.74% to 20.74%, based on a 6.75% Prime Rate) (disclosure accurate as of October 13, 2026) after a 0.00% introductory APR on purchases and balance transfers for six billing cycles from date of account opening introductory rate. Approval typically requires a credit score of Good (670+) or higher. Rewards: Unlimited 1% cash back on every purchase, every day (employee card purchases earn cash back too); account must be open and in good standing to access rewards. Cash back: 1% cash back on all net purchases.. Typical credit limit: $5,000 - $50,000. Loan terms: Revolving business credit card; due date at least 23 days after the close of each billing cycle; no interest on purchases if the entire balance is paid by the due date; minimum interest charge $1.00; average daily balance (including new purchases) method. 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.