Credit Card Options from Secured to Rewards

0% Intro APR^* on purchases for the first 12 billing cycles (thereafter variable APR^* 13.45% - 22.45%)
0% Intro APR^* on balance transfers for the first 12 billing cycles (thereafter variable APR^* 13.45% - 22.45%)

Your financial toolkit could be missing one of the most powerful tools of all—a credit card. Select from a range of Visa^® Credit Cards with features, cash-back rewards, and purchase protections.

Already applied? Check the status of your credit card application.

Achieve your financial goals with a simple, low-rate card.

Standard Rate: 13.45% - 18.45% variable APR^*
Credit lines up to $25,000
No annual fee

Earn unlimited rewards with every purchase. 1.5 points for every dollar spent*.

Standard Rate: 17.45% - 22.45% variable APR^*
Bonus Rewards: 10,000 bonus points when you spend $1,500 or 5,000 bonus points when you spend $750 in the first 90 days
Credit lines up to $25,000
No annual fee

A reliable choice for establishing or rebuilding credit.

Standard Rate: 18.45% variable APR^*
Open with a security deposit between $300 - $2,500
No annual fee

Two empty wine glasses on a table with purple flowers.

January - April

Dining

Restaurants
Diners
Fast Food/Quick Service Establishments

May - August

Gas

Double points on every gas station and fuel purchase. A great time to rack up your points during the high travel months.

Fruits and vegetables in two brown paper bags.

September - December

Groceries

Grocery Stores, Supermarkets
Convenience and Specialty Food Markets
Bakeries and Bagel Shops

DISCLOSURES:
Account opening disclosures:
Visa® Credit Card Application Solicitation & Disclosure
Rewards Terms and Conditions

*Rates and terms are determined by the overall creditworthiness of each applicant and are subject to change. Annual Percentage Rate (APR) accurate as of 12/11/25. After the introductory billing cycles, the APR for purchases and balance transfers will be a variable 13.45% APR to 22.45% APR, based on your credit worthiness. Other fees include: Late Payment Fee $25 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment; Balance Transfer Fee is $10 or 3.00% of the amount of each balance transfer, whichever is greater; Cash Advance Fee $10 or 4.00% of the amount of each cash advance, whichever is greater; Foreign Transaction fee is 1.00% of each transaction in U.S. dollars; Pay by Phone With a Live Representative Fee $15; Rush Card Fee $40. Minimum Balance Transfer $250.

Cardholder will earn 10,000 bonus points for spending $1,500 within 90 days of account opening, or earn 5,000 bonus points for spending $750 within 90 days of account opening, for qualified transactions made at participating merchants using their Rewards Card.

**Whichever is greater.

***Exclusions may apply. Primary St. Mary's Bank Visa Platinum Rewards and Business Platinum Rewards Credit Card accounts are automatically enrolled to earn double points on each dollar spent on qualified purchases up to $2,000. Double points will be calculated and posted at the end of the transaction day.

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General, Penny Finance

Credit Cards

Our Credit Card Options

Introductory Offers

Visa® Platinum Standard

Visa® Platinum Rewards

Visa® Secured

Apply for a Credit Card

Online

In Person

Earn Points All Year long