The First Exchange Bank is a business credit card from First Exchange Bank. Application typically pulls a hard report from Experian. The annual fee is No annual fee. The ongoing APR is competitive rates based on creditworthiness after a 0% introductory APR on purchases and balance transfers introductory rate. Rewards: Earn one point for every net dollar spent. Redeemable for merchandise and travel awards.. Cash back: 1 point for every net dollar spent. 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.