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Online Banking

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Credit Cards

The credit you deserve from the folks you know.

Hometown service plus worldwide benefits.

Choose from cards* that reward you with unlimited points 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
  • Purchase, travel, warranty protections and/or services***
  • 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 business 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 11.24% to 19.24% based on creditworthiness (see Terms and Conditions for details). 
  • Our lowest APR card is designed for those who frequently carry a balance from month to month. 
  • Platinum Mastercard benefits include Price Protection, ID Theft Resolution services, Extended Warranty and MasterRental Coverage on rental cars.

Reward yourself with unlimited points, 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 10,000 bonus points when you spend $3000 in the first three months.††
  • Earn one point for every $1 you spend (for details about the Rewards program see Rewards Terms and Conditions).
  • Choose from reward redemption options including cash credits, services or gift cards.
  • Earn double points for travel and dining purchases.†††
  • Take advantage of enhanced Mastercard Concierge Services and Purchase Assurance benefits in addition to Price Protection, ID Theft Resolution services, Extended Warranty and MasterRental Coverage on rental cars.

*Subject to credit approval.  Ask for details.
**Mastercard is a registered trademark of Mastercard International Incorporated. 
***Certain terms, conditions and exclusions apply.  Please consult your Guide to Benefits for specific benefit configuration.
†World applicants not approved for World will be considered for approval for a Platinum Rewards card.
††Upon approval, a letter will be mailed acknowledging your new account. The rewards bonus period begins on the date of the letter and ends 90 days later.
†††Rewards options are subject to change without notice. We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards points. 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 one reward point as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional rewards. 
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Manage Your Card

Already have a Bank Independent Credit Card?

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Digital Wallet

Add your credit card to your smart phone's Apple Pay, Samsung Pay or Google Pay.

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Convenient, easy-to-use tools to help you manage your finances on-the-go 24/7.