The Ballston Spa National Bank is a business credit card from Ballston Spa National Bank. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.49% to 26.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. after a 0% introductory APR for the first 12 billing cycles. introductory rate for 6 months. Signup bonus: $500 cash back when you spend $5,000 within the first 150 days. Rewards: 3% cash back per dollar on eligible Net Purchases at dining (including takeout and restaurant delivery), gas and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters; gas/EV purchases over $200 earn 1%), office supply stores and cell phone service providers; 1% cash back on all other eligible Net Purchases; 5% (1% base + 4% bonus) on prepaid car and hotel reservations purchased in the Travel Center; automatic $100 statement credit per 12-month period after 11 consecutive months of eligible software service purchases; rewards expire 5 years from when they are earned. Cash back: 1%. Loan terms: Revolving business credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; Card ExtendPay fixed-payment plans may be offered. 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.