Credit Card Disclosures
†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 an 7.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 17.49% and 27.49%, Platinum Edition APRs are currently between 15.49% and 25.49%, Cash Rewards Platinum APRs are currently between 18.49% and 27.74%, Signature Visa APRs are currently between 17.24% and 23.24% and Excursion Visa Signature APRs are currently between 18.74% and 25.74%. Rewards Platinum Cash Advance APR is currently between 27.49% and 28.99%, Platinum Edition Cash Advance APR is currently between 25.49% and 28.99%, Cash Rewards Platinum Cash Advance APRs are currently 28.49% and 28.99%, Visa Signature Cash Advance APR is currently 26.24% and Excursion Visa Signature Cash Advance APR is between 28.74% and 28.99%. All APRs are based on creditworthiness. Rates are accurate as of February 8, 2025 and are subject to change. To find out what may have changed, contact us or check TCM's website for current rates. If you make a late payment 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.
††In order to access rewards, your account must be open and in good standing.
1In 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.
2FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated quarterly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
3Message and data rates may apply.
4Coverage 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.
5Google Play is a trademark of Google LLC and App Store is a registered trademark of Apple Inc. Trademarks and copyrights are properties of respective owners.
6See 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.
7Certain 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 www.cardbenefitservices.com or call 1-866-894-8569.
8Subject to credit approval. Must be 18 or older to apply.
9If annual net spend for preceding 12 months is $15,000.00 or greater, an Annual Fee will not be charged. 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.
