The credit you deserve from the folks you know.
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
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.
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+
+Terms and Conditions
Rewards Terms and Conditions
Subject to credit approval. New Cardmembers only. Advertised offers subject to change without notice.
World applicants not approved for World will be considered for approval for a Platinum Rewards card.
*We group similar merchant category codes into Purchase Categories that are used to calculate the stated cash back rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.
**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.
If you do not meet our criteria for this card, you may be considered for the Mastercard Platinum Rewards card. Mastercard is a registered trademark of Mastercard International Incorporated.
Manage Your Credit Card Accounts Wherever You Go
With the myApex Card mobile app you can check your account balances, make a payment, lock or unlock your card all from your smartphone. Get peace of mind when you sign up to receive alerts for online, phone, mail or international purchases. Stay on top of daily spending by limiting the amount that can be spent per day or per transaction.
Simply search “myApex Card” in the Apple Store® or Google Play™ to install, or click below.
Apple Store® is a registered trademark of Apple, Inc.
*For details on the rewards program, please visit www.bibank.myapexcard.com/apply and select Rewards Terms and Conditions. Rewards options are subject to change without notice.
Subject to credit approval. Ask for details.
Digital Wallet
Add your credit card to your smart phone's Apple Pay®, Samsung Pay® or Google Pay®.
Sync Digital Solutions
Convenient, easy-to-use tools to help you manage your finances on-the-go 24/7.