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Credit Cards

  • No annual fees
  • All cards come with Visa Zero-Liability Protection
  • Online and mobile banking
Apply Online

Our Credit Card Options

Introductory Offers

  • 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.

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Visa® Platinum Standard

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
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Visa® Platinum Rewards

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
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Visa® Secured

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

Apply for a Credit Card

Ready to finish or check the status of your application? Click here.

FAQs

What should I do if my card is stolen or if I see an unauthorized transaction?
You can block your card immediately and order a new card through Card Management in your Online Banking. Please reach out to  our Member Contact Center at (888) 786-2791 or our Card Support Center at (877) 286-2612 for further assistance. 
What payment options are available?
Check out our Consumer Loan Payment page for your options here.
How do I check the status of a recent loan application?

To check the status of a consumer loan (home equity, credit card, personal loan, or vehicle loan) in progress, visit here.
Can I add my St. Mary's Bank cards to my mobile wallet?
Yes, all St. Mary’s Bank cards are compatible with wallet pay or mobile wallets.
How do I transfer a balance to my St. Mary's Bank Credit Card?
  • You can submit a balance transfer request through your Online Banking under Member Forms (Click the More icon, followed by Tools & More).
  • Or you can reach out to our Member Contact Center at (888) 786-2791
What is my Cash Advance/ATM limit and are there fees for a Cash Advance?
The cash advance limit is 50% of the credit line assigned to the credit card account. The minimum required for a cash advance is $50.00. The fee is either $10.00 or 4% of the total amount of each cash advance, whichever is greater. The ATM withdrawal max per day limit is $600.00. The bank withdrawal max per day on cash advances is $3,000.00.

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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.