Visa^® Credit Cards

Visa Platinum Preferred Credit Card

Earn one point for every retail dollar spent and enjoy even more ways to redeem points*.

Benefits:

• No Annual Fee
• Online Access – Enroll your card for online access to redeem ScoreCard
  Rewards points, manage, monitor, and make payments 24/7 at MyCardStatement.com.
  
• ScoreCard Rewards – Earn one point for every retail dollar spent as well as Bonus Points* throughout the year.
  
• Ways to Use Your Points*
  • Cash Back – Direct deposit into your FSB account.
  • Redeem to Erase – Credit applied to your Visa account balance.
  • $.50 off per gallon at participating Murphy USA (Walmart), BP, Shell and Citgo gas stations when you use your card.
  • PayPal® – Link your card to your PayPal account and you can use points to pay for the online purchases.
  • $10 off at point of sale when you use your credit card at Walgreens and CVS.
  • Airline tickets, hotel and car rentals, and merchandise awards (including a wide variety of gift cards).
    
    

2021 BONUS POINTS* Schedule:
(subject to change without notice)

• New Accounts – Activate your card and spend $3,000 within 90 days of opening and get 15,000 Bonus points
• May – Use your card at the grocery store (or online orders) and get Double Points on those purchases
• July – Double points all month long on all retail purchases made in July
• September – Use your card at automated gas pumps and earn Double Points on those purchases in September
• November/December – Spend $3,500 during these holiday shopping months and earn an additional 10,000 Bonus points

*Points accrue for 36 months, then the oldest points begin to expire monthly if not redeemed.

Visa Secured Card

For those with no credit, new credit, not-so-good credit.

• Annual fee is waived for the first year (See Rates and Fees below.)

Annual Percentage Rate (APR) for Purchases

0%^* intro rate (for 6 months) to 8.25%. This APR will vary with the market based on the Prime Rate 

14.4% APR (non-variable)

APR for Balance Transfers

0%^* intro rate (for 6 months) to 8.25%. This APR will vary with the market based on the Prime Rate

 14.4% APR (non-variable)

APR for Cash Advances

0%^* intro rate (for 6 months) to 8.25%. This APR will vary with the market based on the Prime Rate

14.4% APR (non-variable)

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.

Annual Fee

None

$25, first year waived

Transaction Fees

International Trans Fee

1% of each international transaction in U.S. dollars

Penalty Fees

Late Fee

Returned Payment Fee

Up to $30

Up to $30