
Personal Credit Cards

Choose the Card that's Right for You.

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 15% variable APR after intro period | |
Minimum Limit | $500 | |
Benefits | Visa Card Benefits |
3%
Cash Back Rewards
on Gas and Groceries for your first $20,000 combined spend annually.¹
1%
Cash Back Rewards
on all other qualifying purchases.¹
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Pricing & Terms

Visa Secured
The Visa Secured Card helps establish and build credit, while offering Visa Platinum Card benefits.
Annual Fee | $0 | |
Standard APR | 21% variable APR | |
Minimum Limit | $500 | |
Benefits | Visa Card Benefits |
1%
Cash Back Rewards
for each $1 spent.¹
Get Started
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) |
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: |
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Cash Back Rewards Credit Card Cardholder Agreement
Consumer Secured Platinum Credit Card Cardholder Agreement
Savvy Rewards Terms and Conditions
Existing Credit Card Customers: To request your personal Credit Card Cardholder Agreement, please call us at 877.346.1418 or email us at cardservicessupport@htlf.com.
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 for each $1 spent on a purchase, 1 Cash Back Reward point is earned, which qualifies for $0.01 for redemption. 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: www.savvy-rewards.com.
Credit cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services.