VISA Platinum Credit Cards

Hometown Convenience | Worldwide Acceptance | Great Benefits

Consumer Credit Cards

Credit cards are a necessary part of a solid financial track record.  Having and using a credit card wisely builds the good credit history you need to buy a home or car.  With a VISA® Platinum credit card, you get global buying power backed by the exceptional service you trust.

VISA® Platinum Credit Card

Four great options:

• Secured Platinum - The card that helps you build and re-build credit.
  • Build credit with responsible use - Payment and usage behavior is reported to the major credit bureaus. Eligibility to graduate to a non-secured card.¹
  • Security Deposit - When you're approved, your security deposit (between $300 and up to $5,000) will equal your credit limit.
  • Annual Fee - $29*
    • This is not a pre-paid card. Your deposit cannot be used to make payments. You will still be required to make monthly payments.
      
• Rewards Platinum - unlimited reward points. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit cRewardsCard.com for details.⁴
• Cash Rewards Platinum - earn 1% cash back on all net purchases. Cash rewards never expire.⁴
• Platinum Edition - no penalty APR and competitive rates.*

Enjoy the following features with all of the above options:

• Competitive Rates*
• Mobile payments like Apple Pay®, Google Pay™, and Samsung Pay™ for a safe and secure way to pay
• Free FICO® Score²
• Cell Phone Protection³
• Fraud Monitoring and Zero Fraud Liability
• SecurLOCKTM Email and Text Fraud Alerts
• ID Navigator Powered by NortonLifeLock⁶
• Online account management at MyCardStatement.com
• Mobile App - make payments, check balance, transaction history, and lock card if lost or stolen
• Travel Perks - 
  • Travel Accident Insurance - you and your family are automatically covered by the no cost Travel Accident Insurance when you use this card to purchase travel tickets (up to $150,000).⁵
  • Emergency Cash Disbursements - get cash while traveling, usually within hours, in emergency situations if your card is lost, stolen or damaged.
  • Emergency Card Replacement - get help with a lost or stolen card no matter where you're traveling 24 hours a day, 7 days a week.
• Payments accepted at First Pioneer National Bank

Apply Now!

* 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 quarterly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

³Certain 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.

⁴In order to access rewards, your account must be open and in good standing.

⁵Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

⁶No one can prevent all identity theft.

Business and Company Credit Cards

A small business or company VISA® Platinum credit card gives you simple and secure ways to buy what you need, in person or online, to keep your business or company moving, with competitive rates and no annual fee.

VISA® Small Business Edition Platinum Credit Card

Features and benefits include:

• Chip Card Security
• Fraud Monitoring and Zero Fraud Liability
• Credit Line Sharing
• Consolidated Statements
• 24/7 U.S. based customer service
• Online account management at MyCardStatement.com
• Payments accepted at First Pioneer National Bank

VISA® Platinum Company Rewards Charge Card

Features and benefits include:

• Pay-in-full Account – this account is set up to be paid in full monthly
• Reward Points – earn one point for every net dollar you spend.  You can redeem points for air travel, rental cars and merchandise.  For details visit cRewardsCard.com
• Tickets good on any airline with no blackout dates
• Chip Card Security
• Fraud Monitoring and Zero Fraud Liability
• Credit Line Sharing
• Consolidated Statements
• 24/7 U.S. based customer service
• Online account management at MyCardStatement.com
• Payments accepted at First Pioneer National Bank