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Personal Credit Cards
Give yourself the credit—and benefits—you deserve! Switch to a Citizens First Bank Visa® Credit Card! Stop by one of our convenient locations or apply here today.
Visa® Platinum Credit Cards
Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits.
Choose from three great options all from the bank you know best.
- Rewards Platinum - Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit cRewardsCard.com for details.3
- Cash Rewards Platinum - Earn 1% cash back on all net purchases.3
- Platinum Edition - No penalty APR and competitive rates.*
- Competitive Rates*
- View Your FICO® Score for Free1
- Cell Phone Protection2
- Fraud Monitoring with Email and Text Fraud Alerts
- Mobile payments like Apple Pay® and Google PayTM for a safe and secure way to pay.
1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
2Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.
3Available with Rewards Platinum and Cash Rewards credit cards only. To access rewards, your account must be open and in good standing.
ExcursionTM Visa Signature® Card
Go more places and experience more of life with the ExcursionTM Visa Signature® credit card, the card that cashes in on a rewarding lifestyle.
Cruise into cash rewards with 2% cash back on travel related purchases and earn $50 cash back in the first 60 days when you spend $5001.
Plus, receive competitive rates* with exclusive perks and great benefits.
- Earn 1% cash back on all non-travel purchases. Redeem cash back at any time as a statement credit or ACH transfer1.
- Access to Visa Signature Luxury Hotel Collection2
- Rental car privileges with Audi on Demand
- Exclusive Offers and Deals from Cruise Lines
- 24/7 Concierge Service
- Zero Fraud Liability with Email and Text Fraud Alerts
*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
1In order to access rewards, your account must be open and in good standing.
2Some Restrictions and Limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substantial benefit of equal value. Resorts fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.
Visa® Secured Credit Card
Our Secured Credit Card* is the perfect solution if you are looking to build or re-build your credit. It works like any other credit card except it requires a security deposit which is held as collateral for your account.
Plus, you receive these great benefits.
- Graduation Eligibility1: With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months.1
- Free FICO® Score2
- Fraud Monitoring & Zero Fraud Liability
- Text & Email Fraud Alerts
- Mobile Payments
- 24/7, U.S.-based Customer Service
- Financial Education
Member FDIC
*See the card application's Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
1In as little as 13 months of responsible use, you become eligible for an account review for graduation to an unsecured credit card. In order to graduate, you must: make on-time payments, spend within your credit limit, have a credit score of at least 660, and have no delinquencies in 12 months. If your account becomes 30 days delinquent, we will close the account and use your security deposit to pay any outstanding balances. Any remaining funds will be returned to you within 90 days of account closing.
2FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
MyCard Mobile
Get quick and secure access to your account from wherever you are with MyCard Mobile, the mobile app for your Citizens First Bank credit card! Download the app today to manage your card from anywhere, anytime. With the app, you can:
- Make a payment, check your balance and transaction history
- See enriched data combining location, merchant, and map
- Lock and report lost or stolen credit cards
- View spend insights with graphs
- Receive transaction and account alerts
Visit the app store on your Apple or Android device to download the app today!
This card is issued by TCM Bank, N.A. Subject to credit approval.
