
Credit Cards
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
With three Platinum card options, you can transfer a balance or consolidate debt from a higher-rate card to our Low Rate Platinum or Platinum Mastercard. Or, you can collect cash back rewards on most purchases when you qualify for our Platinum Rewards Mastercard.
Mastercard Low-Rate Platinum
Simplify your finances by consolidating your balances at a low APR
- Low APR of 11.49%+ is designed for clients who frequently carry a balance from month to month.
- $99 Annual Fee+
- No balance transfer fee+ for balances transferred during the first six months. Afterwards take advantage of a low 1% fee or $10, whichever is greater+ on all balance transfers.
- Mastercard Benefits like Zero Liability Protection, ID Theft Resolution services, Mastercard Global Emergency Services
+Terms and Conditions
Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.
+A balance transfer fee of either $10 or 1% of the amount of each transfer, whichever is greater, will apply to each balance transfer. Balance transfers subject to available credit.
Mastercard Platinum
Spend Smarter. Manage Better. Save Money.
- Take advantage of a lower APR with no annual fee.+ Enjoy lower monthly payments if you carry a balance from month to month.
- Introductory offer: 0% APR+ on Purchases and Balance Transfers for 6 months. After that, the variable APR will be 14.24% to 22.24%+ based on creditworthiness. A Balance Transfer Fee+ of $10 or 3% of the amount of the transfer, whichever is greater, will apply to each balance transfer.
- Mastercard Benefits like Zero Liability Protection, ID Theft Resolution services and Mastercard Global Emergency Services
+Terms and Conditions
Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.
+A balance transfer fee of either $10 or 3% of the amount of each transfer, whichever is greater, will apply to each balance transfer. Balance transfers subject to available credit.
Mastercard Platinum Rewards
Versatile. Simple. Rewarding.
- Earn 1% cash back for everyday purchases that can be used for statement credits or a direct deposit into your checking account+.
- Introductory offer - Rewards Bonus: Earn a $50 cash back bonus if you spend $1000 in the first 90 days*
+Terms and Conditions
Rewards Terms and Conditions
*Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later.
A balance transfer fee of either $10 or 3% of the amount of each transfer, whichever is greater, will apply to each balance transfer. Balance transfers subject to available credit.
Mastercard World
Privilege. Rewards. Premier Services.
- Up to 3% cash back rewards on everyday purchases*
- Earn a $500 cash back bonus if you spend $5000 in the first 90 days**
- $95 annual fee+
- No foreign transaction fee+