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Establish good credit while enjoying the flexible spending power of Visa — and the service of your community bank.

Key Features

  • Flexible Spending Power
  • Rewards Available
  • Competitive Rates
  • Fraud Monitoring

Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits from the bank you know best.

  • Rewards Platinum - unlimited reward points that don’t expire. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit for details.

Enjoy the following features:

  • No Annual Fee*
  • Enjoy the flexibility to buy now, pay later
  • 0% Intro APR on Purchases and Balance Transfers for 12 months.*
    • After that, a variable APR, currently 10.74% - 24.74% will apply.*
  • Free FICO Score1
  • Fraud Monitoring and Zero Fraud Liability
  • SecurLOCKTM Email and Text Fraud Alerts
  • Easily replaced if lost or stolen
  • Cell Phone Protection2
  • Travel Accident Insurance3 
  • Mobile Payments
  • Easy online account management
  • Customer Contact Center representatives within the U.S.
    • Available 24/7 at 1-800-883-0131

*0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the U.S. Prime Rate as published in the Wall Street Journal. Rewards Platinum APRs are currently between 11.74% and 21.74%. All APRs are based on creditworthiness. Rates are accurate as of November 1, 2019 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A.

1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

2Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit visit the FAQ section at or call 1-866-894-8569.

3Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.