Personal Credit Cards

Zero Percent Intro APR on purchases and balance transfers with the Cash Back Rewards Visa Card

Choose the Card that's Right for You.

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Cash Back Rewards Card

The Cash Back Rewards Visa Card offers an array of benefits, features and 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 11.00% or 12.50% variable APR after intro period
Minimum Limit $500
Benefits Visa Card Benefits


Cash Back Rewards

on Gas and Groceries for your first $20,000 combined spend annually.¹


Cash Back Rewards

on all other qualifying purchases.¹

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Pricing & Terms

Visa Platinum

Visa Secured

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

Annual Fee $0
Standard APR Low 15.50% variable APR
Minimum Limit $500
Benefits Visa Card Benefits


Cash Back Rewards

for each $1 spent.¹

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Pricing & Terms
Secured by savings account or certificate of deposit

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

(Click an icon below for more info)

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

Go to Your Card Management Portal

Cash Back Rewards Program

The card designed with you in mind. With our Cash Back Rewards, you can’t lose.

Use your Cash Back Rewards how you like:
  • Deposit the Cash Back Rewards into your checking account
  • Have it go towards your next credit card bill
  • Redeem for a wide variety of gift cards
  • Book your next flight

Go to Your Rewards Site

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

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.
¹ Cash Back Rewards are the rewards earned under the program. They are tracked as points and each $1 in Cash Back Rewards is equal to 100 points. You earn Cash Back Rewards on all qualifying purchases. The following do not earn
points: balance transfers, cash advances, convenience checks, fees, interest or payments. You may review the full Terms & Conditions of the Cash Back Reward’s program at our reward’s site:

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