Earn when You Spend with the Rewards Credit Card
If you love supporting local businesses and earning cash back, the Rewards Credit Card might be the card for you.
Earn one point for every $1 you spend. Use your points for cash back, local rewards, national rewards and travel rewards. Browse the rewards catalog.
Enjoy the same low rate for purchases or cash advances
Identity Theft Resolution Services provide assistance with the process of restoring your identity in the event of identity theft
It’s Easy to Earn Rewards Points
Earning points is not limited to brick-and-mortar store purchases—You can also rack up points by using your Rewards Credit Card for monthly subscriptions and bills, online shopping, app purchases and more!
Earn 3x, 5x & so much more!
Use your Rewards Debit or Credit Card to earn more at a network of local and national merchants.
Browse the rewards catalog in Digital Banking to see how you can redeem your points.
Transparency is important to us.
Billing Rights:
We use a method called “average daily balance (including new purchases)” to calculate your balance. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
| Annual Percentage Rate (APR) for purchases, balance transfers and cash advances | |
|---|---|
| Smart | 12.74 - 17.99% |
| Rewards | 14.74 - 17.99% |
| Secured | 10.99% |
| Penalty APR | |
|---|---|
| Smart | None |
| Rewards | None |
| Secured | None |
| Paying Interest | |
|---|---|
| Smart | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfer on the transaction date. |
| Rewards | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire balance by the due date each month. We will be begin charging interest on cash advances and balance transfer on the transaction date. |
| Secured | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfer on the transaction date. |
| Minimum Interest Charge | |
|---|---|
| Smart | $1.00 |
| Rewards | $1.00 |
| Secured | $1.00 |
| For credit card tips from the Consumer Financial Protection Bureau | |
|---|---|
| Smart | To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau. |
| Rewards | To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau. |
| Secured | To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau. |
| Terms | Smart | Rewards | Secured |
|---|---|---|---|
| Annual Percentage Rate (APR) for purchases, balance transfers and cash advances | 12.74 - 17.99% | 14.74 - 17.99% | 10.99% |
| Penalty APR | None | None | None |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfer on the transaction date. | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire balance by the due date each month. We will be begin charging interest on cash advances and balance transfer on the transaction date. | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfer on the transaction date. |
| Minimum Interest Charge | $1.00 | $1.00 | $1.00 |
| For credit card tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau. | To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau. | To learn more about factors to consider when applying for or using a credit card visit, the Consumer Financial Protection Bureau. |
| Annual Fee | |
|---|---|
| Smart | None |
| Rewards | None |
| Secured | None |
| Balance Transfer | |
|---|---|
| Smart | None |
| Rewards | None |
| Secured | None |
| Cash Advance | |
|---|---|
| Smart | None |
| Rewards | None |
| Secured | None |
| Foreign Transaction | |
|---|---|
| Smart | 1% of each transaction in US dollars |
| Rewards | 1% of each transaction in US dollars |
| Secured | 1% of each transaction in US dollars |
| Late Payment | |
|---|---|
| Smart | $25 or your minimum payment required, whichever is less if your payment is late. |
| Rewards | $25 |
| Secured | $25 or your minimum payment required, whichever is less if your payment is late 5 days or more and your balance is $100 or more |
| Returned Payment | |
|---|---|
| Smart | $25 or your minimum payment required, whichever is less if your payment is returned for any reason |
| Rewards | $25 or your minimum payment required, whichever is less if your payment is returned for any reason |
| Secured | $25 or your minimum payment required, whichever is less if your payment is returned for any reason |
| Fee Type | Smart | Rewards | Secured |
|---|---|---|---|
| Annual Fee | None | None | None |
| Balance Transfer | None | None | None |
| Cash Advance | None | None | None |
| Foreign Transaction | 1% of each transaction in US dollars | 1% of each transaction in US dollars | 1% of each transaction in US dollars |
| Late Payment | $25 or your minimum payment required, whichever is less if your payment is late. | $25 | $25 or your minimum payment required, whichever is less if your payment is late 5 days or more and your balance is $100 or more |
| Returned Payment | $25 or your minimum payment required, whichever is less if your payment is returned for any reason | $25 or your minimum payment required, whichever is less if your payment is returned for any reason | $25 or your minimum payment required, whichever is less if your payment is returned for any reason |
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