The Burke & Herbert Bank & Trust Company is a business credit card from Burke & Herbert Bank & Trust Company. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 17.74% – 26.99% after a 0% for 12 months introductory rate for 12 months. Signup bonus: 30,000 bonus points when you spend $2,500 during the first three months. Rewards: 1% cash back (Cash Rewards), Points-based rewards (Rewards). Cash back: 1% cash back. Typical credit limit: $300 - $5,000. 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.