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 10.99%–23.99% after a 0% introductory rate for 6 months. Rewards: Earn points or 1% cash back. Cash back: 1%. 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.