TCM BankBusiness RewardsRegistry illustration · issuer artwork unavailable

Business RewardsTCM Bank · N bank, FL · FDIC 34535

CurrentLast observed Oct 14, 2026Official issuerCredit card · Business

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Purchase APR

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Balance transfer

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Cash advance APR

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Annual fee

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Foreign fee

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Grace period

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Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
One point per dollar on net purchasesNot disclosed	1 point per $1. See source conditions for eligible purchases.TCM Bank, National Association · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“One point per dollar on net purchases”TCM Bank, National Association · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditionsOne point per dollar on net purchases	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. One point per dollar on net purchasesTCM Bank, National Association · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“One point per dollar on net purchases”TCM Bank, National Association · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

Rewards Platinum Credit Cardpage 1 of 41

Rewards Platinum Credit Card

Information on this disclosure was accurate as of March 31, 2026. This card will be issued and administered by TCM Bank, N.A. Before you submit your application, please read through these Important Disclosures, which contain additional information about rates, fees, and other costs, as applicable. The variable rates, the fees, and the terms are subject to change. To find out if any rates, fees or terms have changed, please write to: TCM Bank, N.A., P.O. Box 105666 Atlanta, GA 30348-5666. Each applicant must be at least 18 years of age.

Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases · 0% Introductory APR applies for twelve billing cycles from date of account opening. After that, your APR will be 16.74% to 26.74% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.* APRfor Balance Transfers · 0% Introductory APR applies for twelve billing cycles from date of account opening. After that, your APR will be 16.74 to 26.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.* APRfor Cash Advances · 26.74% to 28.24%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.* How to Avoid Paying Interest on Purchases · Your due date is at least 23 days after the close of each billing cycle. Wewill not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge · If you are charged interest, the charge will be no less than $1.00. For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees Annual Fee · None Transaction Fees • Balance Transfer • Cash Advance • Foreign Transaction · Either $5 or 3% of each balance transferred, whichever is greater. Either $5 or 3% of each cash advance, whichever is greater. 1% of the U.S. dollar amount of each transaction made in a foreign currency, in U.S. dollars outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant. Penalty Fees • Late Payment • Over-the Credit Limit • Returned Payment · Upto $41. None Up to $41. Paper Statement Fee · $2.50 per month.

How We Will Calculate Your Balance: We use a method called 'Average Daily Balance (including new purchases).'

Loss of the Introductory APR: If you make a late payment, we may end your Introductory APR for Purchases and Balance Transfers and apply the Purchase and Balance Transfer APR which would apply when the Introductory APR expires.

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Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

TCM Bank, National Association
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:529401755825aa518be1d8813ea6112b6ccda0e29498d78b5f16427c5a9f5801
“One point per dollar on net purchases”
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History

dates on sources or when they were captured

Oct 14, 2026: Rewards

Offered through: TCM Bank
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 34535
Branches: 1 in FL
Sources: Official issuer · 1 document · 0 pages cited

Documents

Rewards Platinum Credit Cardeffective date not parsedName declaration: Business Rewards · page 37

Business RewardsTCM Bank · N bank, FL · FDIC 34535

Rates and fees