Rewards Platinum — TCM Bank is a personal credit card from TCM Bank. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.74% - 26.74% variable after a 0% intro APR on purchases and balance transfers introductory rate for 12 months. Rewards: Unlimited 1 point per $1 of net purchases (cRewards; redeem for merchandise, rental cars, travel). This product reports activity to your personal credit report. EXPERT REFERENCE (Jun 2025): Advance Financial FCU approved for $18,000