The credit you deserve from the folks you know.
Hometown service plus worldwide benefits.
Choose from cards that reward you with unlimited cash back* and premier services, or pick a card with a lower APR for balance transfers or debt consolidation.
Bank Independent’s signature service:
- Apply or pay in any Bank Independent sales office
- Local decision-making on approvals and limits
- Personalized customer service you’ve always expected
Exceptional benefits of Mastercard® credit:
- 24/7 customer service and online access
- Digital wallet compatibility…pay with your phone
Personal Credit Cards
Bank Independent's credit card options include low interest rates, robust rewards and special introductory offers. You'll enjoy the same great hometown service and local decision-making you've come to expect, plus the worldwide Mastercard® benefits your personal needs.
Transfer a balance or consolidate debt from higher-rate card to our lowest APR Platinum Mastercard.
- Enjoy a 0% introductory APR on purchases and balance transfers for six months. After that, the variable APR will be 8.99% to 16.99% based on creditworthiness (see Terms and Conditions for details). A Balance Transfer Fee of $10 or 3% of the amount of the transfer, whichever is greater, will apply to each balance transfer.
- Our lowest APR card is designed for those who frequently carry a balance from month to month.
- Platinum Mastercard benefits include Zero Liability Protection, Mastercard Global Emergency Services, and ID Theft Resolution services.
Reward yourself with unlimited cash back, complimentary premier services and exclusive assistance with our World Mastercard (see Terms and Conditions for complete details).
- Enjoy a one-time sign-up bonus of $100 cash back when you spend $3000 in the first three months.††
- Earn 1% cash back for every $1 you spend* (for details about the Rewards program see Rewards Terms and Conditions).
- Choose from Cash Back redemption options of a Statement Credit or a deposit to you Bank Independent Checking Account.
- Earn 2% cash back for travel and dining purchases.†††
- Take advantage of enhanced Mastercard, ID Theft Resolution services and MasterRental Coverage on rental cars.