Platinum Credit Cards

Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits.


Three great options all from the bank you know best.
  • Rewards Platinum - unlimited reward points. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit cRewardsCard.com for details.4
  • Cash Rewards Platinum - earn 1% cash back on all net purchases. Cash rewards never expire.4
  • Platinum Edition - no penalty APR and low interest rates*.
Enjoy the following features with all of the above options:
  • No Annual Fee*
  • 0% Intro APR on Purchases and Balance Transfers for first 12 months. After that, a variable APR, currently 14.24%-28.24% will apply.*
  • Mobile Payments for a safe and secure way to pay
  • Free FICO Score1
  • Fraud Monitoring and Zero Fraud Liability
  • SecurLOCKTM Email and Text Fraud Alerts
  • Cell Phone Protection2
  • Travel Accident Insurance3

Apply Now

*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 as 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%, and Cash Rewards Platinum APRs are currently between 18.24% and 28.24%. Rewards Platinum Cash Advance APR is currently 27.24%, Platinum Edition Cash Advance AP8R is currently 27.24%, and Cash Rewards Platinum Cash Advance APRs are currently 27.24%-30.24%. 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.
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 www.cardbenefitservices.com 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.
4In order to access rewards, your account must be open and in good standing.
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​Have a question? Contact us at any of our locations

Nicollet: 703 Third St, PO Box 77, Nicollet, MN 56074
Mankato: 120 N Augusta Court, Suite 111, Mankato, MN 56001
Gaylord: 320 Main Ave, PO Box 266, Gaylord, MN 55334

ABA Routing and Transit Number: 091908768
NMLS Registry ID: 680779

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