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Personal Credit Cards

Boost your purchasing power wherever you go — for purchases at restaurants, retailers, and online.

Benefits

Low Rate Card

Available from Visa® and  Mastercard®, the Low Rate Card gives cardholders a variety of benefits, including:

  • Intro Rate of 2.9% for the first 6 months
  • Ongoing APR of Prime +6.99%*
  • No annual fee
  • 25 Day Grace Period on all purchases. No grace period for cash advances or cash equivalent transactions.
  • Mastercard® Platinum benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more.**
  • Visa® Platinum benefit of rental car collision damage waiver protection.**
  • Online account access and management available at www.cardaccount.net.

Preferred Points Card

Available to all applicants for both Visa® and Mastercard®

  • Intro Rate of 2.9% for the first 6 months.
  • Ongoing APR of Prime +11.99%*
  • No Annual Fee
  • 25 Day Grace Period on all purchases. No grace period for cash advances or cash equivalent transactions.
  • Mastercard® Platinum benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more.
  • Visa® Platinum benefit of rental car collision damage waiver protection.
  • Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.
  • Online account access and management available at www.cardaccount.net.
  • To view or redeem rewards points visit www.mypreferredpoints.com or call 866-678-5191.

World Card

Available to all applicants for Mastercard®

  • Intro Rate of 2.9% for the first 6 months
  • Ongoing APR of Prime +11.99%*
  • 25 day Grace Period on all purchases. No grace period for cash advances or cash equivalent transactions.
  • Mastercard® World benefits include concierge services, extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more.**
  • Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.**
  • Online account access and management available at www.cardaccount.net.
  • To view or redeem rewards points visit www.mypreferredpoints.com or call 866-678-5191.

*After the introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. The Account will never have an APR over 21%.

**Additional information about Mastercard and Visa cardholder benefits are provided on TIB Benefits Charts.


Apply online now — or stop by our office in Forest to speak with a member of our team.

 

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Business Credit Cards

Ensure your business is ready for anything — with the spending flexibility you need.

Benefits

Standard Card

Available to all applicants for both Mastercard® and Visa®. Reward points are not available for this card product

  • No Intro Rate.
  • APR of Prime +10.99%*
  • 25 day Grace Period on all purchases. No grace period for cash advances or cash equivalent transactions.
  • Individual and summary billing options.
  • Mastercard® benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more.**
  • Visa® benefits of extended warranty protection, travel accident insurance, and rental car collision damage waiver protection.**
  • Online account access and management available at www.cardaccount.net.

Preferred Points Card

Available to all applicants for both Mastercard® and Visa®.

  • No Intro Rate
  • APR of Prime + 10.99%*
  • $49 Annual Fee per Account
  • 25 day Grace Period on all purchases. No grace period for cash advances or cash equivalent transactions.
  • Individual billing option only.
  • Mastercard® benefits include extended warranty protection, travel accident insurance, rental car collision damage waiver protection, and more.**
  • Visa® benefits of extended warranty protection, travel accident insurance, and rental car collision damage waiver protection.**
  • Earn one point for each dollar spent up to 10,000 per month. Points can be redeemed for cash back, travel, merchandise, and retail gift cards.**

*After the introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. The Account will never have an APR over 21%.

**Additional information about Mastercard and Visa cardholder benefits are provided on TIB Benefits Charts.


Apply for Your Business Credit Card Today

Apply online now if you want to make purchasing for your business easier for you and your employees — or apply at our branch office in Forest.