The The Citizens-Farmers Bank of Cole Camp is a business credit card from The Citizens-Farmers Bank of Cole Camp. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% - 26.99% variable after a 0% introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Rewards: 1% cash back. 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.