Personal Credit Cards

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Choose the Card that's Right for You.


Visa Signature

Visa Signature

The Visa Signature 1 Card offers an array of benefits and features with up to a $25,000 credit limit.

Annual Fee $0
Intro APR 0% APR for the first 12 billing cycles on purchases and balance transfers
Standard APR Low 10.75% variable APR after intro period
Minimum Limit $5,000
Benefits Visa Signature Benefits
Rewards 1 Savvy™ Rewards point per $1 spent. 2
Points worth 25% more when redeemed for air travel.
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Pricing & Terms


Visa Platinum

Visa Platinum

The Visa Platinum Card is for individuals looking for great benefits and features. Recommended for limits up to $5,000.

Annual Fee $0
Intro APR 0% APR for the first 12 billing cycles on purchases and balance transfers
Standard APR Low 12.25% variable APR after intro period
Minimum Limit $500
Benefits Visa Platinum Benefits
Rewards 1 Savvy™ Rewards point per $1 spent 2



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Pricing & Terms


Visa Secured

Visa Secured

The Visa Secured Card helps establish and build credit, while offering the same benefits as the Visa Platinum Card.

Annual Fee $0
Standard APR Low 15.25% variable APR
Minimum Limit $500
Benefits Visa Platinum Benefits
Rewards 1 Savvy™ Rewards point per $1 spent 2


Secured by savings account or certificate of deposit



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Pricing & Terms


The security of Visa. The convenience of Wisconsin Bank & Trust.

(Click an icon below for more info)


online banking icon
Online Management Tools: Online access to your credit card account
Verified Icon
Verified by Visa: Shop online with extra security
Liability Icon
Visa’s Zero Liability: Don’t be held responsible for fraudulent charges
Fraud Icon
Fraud Detection: Prevent loss and identity theft
Checkout Icon
Visa Checkout: Easier and more convenient way to pay online


Go to Your Card Management Portal



Savvy Rewards Logo  

Bank Savvy with better rewards

Redeem your Savvy Rewards points for cash, travel merchandise and more!

The Savvy Rewards program offers you more flexibility, more choices and more of what you want.


To register, go to Savvy-Rewards.com.


1 Visa Signature is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa U.S.A., Inc.
The following do not earn points: balance transfers, cash advances, convenience checks, fees, interest or payments.
You must notify us immediately of any unauthorized use.

Credit cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services.

Platinum and Signature Credit Card Cardholder Agreement
Consumer Secured Platinum Credit Card Cardholder Agreement
Savvy Rewards Terms and Conditions