The Tompkins Bank & Trust is a business credit card from Tompkins Bank & Trust. Application typically pulls a credit report from TransUnion. The ongoing APR is 18.49% to 25.49% variable, based on creditworthiness (terms accurate as of 10/2026). Signup bonus: 20,000 bonus points when you spend $500 on the Authorized Officer's card within the first 90 days of account opening. Rewards: 2X points per $1 in your top two spend categories each month (automatic); 1X points per $1 on all other eligible purchases; 5X points on prepaid hotels and car rentals booked directly in the Travel Center.