Consumer Cards: 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 highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs.

APRs shown here are based on a 8.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 15.24% and 25.24%, Platinum Edition APRs are currently between 14.24% and 24.24%, Cash Rewards Platinum APRs are currently between 18.24% and 28.24%, and Visa Signature APRs are currently between 18.24% and 24.24%. Rewards Platinum Cash Advance APR is currently 27.24%, Platinum Edition Cash Advance APR is currently 27.24%, Cash Rewards Platinum Cash Advance APRs are currently 27.24%-30.24%, and the Visa Signature Cash Advance APR is 27.24%. All APRs are based on creditworthiness. Rates are accurate as of September 1, 2023 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. Secured Credit Cards are not eligible for 0% Intro APR.

Excursion Visa Signature: 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 highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 8.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Excursion” Visa Signature® APRs are currently between 18.24%24.24%.

Excursion Visa Signature Cash Advance APR is currently 27.24%. All APRs are based on creditworthiness. Rates are accurate as of September 1, 2023 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. The Excursion Visa Signature intro annual fee is $0 for the first year. After that, the annual fee is $20; it will be waived if annual net spend for the preceding 12 months is $15,000.00 or greater. If annual net spend is not met, $20 will be charged on the 13th billing cycle and annually thereafter. When calculating annual net spend, finance charges, fees, balance transfers, cash advances, ATM withdrawals, or insurance charges posted to your Account will not be included. Subject to credit approval. This card is issued by TCM Bank, N.A

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 cRewardsCard.com for details.³

Cash Rewards Platinum

Earn 1% cash back on all net purchases. Cash rewards never expire.³

Platinum Edition

No penalty APR and competitive rates.

Enjoy the Following Features with All of the Above Options:

• Competitive Rates*
• Mobile Payments for a Safe and Secure Way to Pay
• Free FICO^® Score¹
• Cell Phone Protection²
• Fraud Monitoring and Zero Fraud Liability
• SecurLOCK^™ Email and Text Fraud Alerts
• ID Navigator Powered by NortonLifeLock⁴

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

¹ FICO 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.

² Certain 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 or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.

³ In order to access rewards, your account must be open and in good standing.

⁴ No one can prevent all identity theft.

VISA Signature^® Travel

• Earn 30,000 bonus points when you spend $2,500 in the first 3 months.¹
• Earn 1.5 points per dollar on net purchases. Points do not expire and there is no cap.¹

Excursion^™ VISA Signature^®

• Earn 2% cash back on air travel, hotels, and dining.¹
• Earn 1% cash back on all other purchases.¹

Plus, Receive Competitive Rates* with Exclusive Perks and Great Benefits:

• Access to Visa Signature Luxury Hotel Collection²
• Rental Car Privileges with AVIS and Budget
• 24/7 Concierge Service
• Mobile Payments
• Zero Fraud Liability and Fraud Monitoring
• Email and Text Fraud Alerts

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

¹ In order to access rewards your account must be open and in good standing.
²Some Restrictions and Limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substantial benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.

Our Secured Credit Card* works like any other credit card except it requires a security deposit which is held as collateral for your account.

Plus, You Receive These Great Benefits:

• Graduation Eligibility: With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months.²
• Free FICO® Score¹
• Fraud Monitoring & Zero Fraud Liability
• Text & Email Fraud Alerts
• Mobile Payments
• 24/7, U.S.-based Customer Service
• Financial Education

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

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.
²In as little as 13 months of responsible use, you become eligible for an account review for graduation to an unsecured credit card. In order to graduate, you must make on-time payments, spend within your credit limit, have a credit score of at least 660, and have no delinquencies in 12 months. If your account becomes 30 days delinquent, we will close the account and use your security deposit to pay any outstanding balances. Any remaining funds will be returned to you within 90 days of account closing.