The Hana Bank USA, N.A is a business credit card from Hana Bank USA, N.A. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 18.24% - 26.24% Variable. Approval typically requires a credit score of Fair Credit OK or higher. Rewards: Rewards. 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. 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.