Personal Credit Cards

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Got questions for us? Ask us below:

* 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 Available with Rewards Platinum and Cash Rewards Platinum credit cards only. To access rewards, your account must be open and in good standing.

Upgrade your Wallet with Better Perks! Apply now through April 30, 2025 for a Middlefield Bank Personal Credit Card and Enjoy:

1. Intro APR on purchases and balance transfers.*
2. No Balance Transfer Fee.**
3. Exclusive Rewards & Competitive Rates***

* 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 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%, and Visa Signature/World Mastercard APRs are currently between 17.24% and 23.24%. Rewards Platinum Cash Advance APR is currently 27.49%-28.99%, Platinum Edition Cash Advance APR is currently 25.49%-28.99%, Cash Rewards Platinum Cash Advance APRs are currently 28.49%-28.99%, and Visa Signature/World Mastercard Cash Advance APR is 26.24%. All APRs are based on creditworthiness.

Rates are accurate as of January 31, 2025 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 7.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Excursion™ Visa Signature® APRs are currently between 18.74%-25.74%.

Excursion Visa Signature Cash Advance APR is currently 28.74%-28.99%. All APRs are based on creditworthiness. Rates are accurate as of January 31, 2025 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.

*** Balance transfer fees will be waived and applied as a statement credit to your account. Balance transfer transaction must be made by April 30, 2025 to qualify for this offer. Credit will appear on your statement on the following cycle and may take two cycles to appear.