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.
Platinum
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.
- Enjoy a 0% introductory APR on purchases and balance transfers for six months.
- After that, the variable APR will be based on creditworthiness (see product Terms and Conditions for details).
- Our low APR cards are 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.
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.
World†
Reward yourself with unlimited cash back, complimentary premier services and exclusive assistance with our World Mastercard (+see Terms and Conditions for complete details).
- 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+
Subject to credit approval. New Cardmembers only. Advertised offers subject to change without notice.
*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.
*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.
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
†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.
†††We group similar merchant category codes into Purchase Categories that are used to calculate the stated cash back. 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 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.
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.