Spend Smarter, Earn Rewards

Credit Cards to Fit Your Lifestyle

Choosing the right Independent Bank credit card is easier than ever. Whether you want to pay down balances, earn cash back, maximize rewards, or build your credit history, we have the ideal card for you.

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Credit Card Solutions to Fit Your Needs

Travel Rewards

Earn points on purchase and redeem for flights, hotels, and more.

Earn Cash Back

Get cash back on everyday purchases and watch your rewards add up.

Build Credit

A smart way to build credit while enjoying flexible spending options.

Lower Your Rate

Save money by transferring high-interest balances to a lower rate card.

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Credit Card FAQs

Answers to Common Questions About Credit Cards

What should I do if my credit card is lost or stolen?

If your credit card is lost or stolen, contact our 24/7 Cardmember Services immediately at 866.234.4691 for assistance. You won’t be held responsible for any fraudulent purchases, thanks to our zero fraud liability policy.*

*Terms and conditions apply.

How do I set up mobile payments for my credit card?

You can add your credit card to mobile payment apps like Apple Pay, Google Pay, or Samsung Pay through your smartphone’s wallet app. Just follow the prompts, and you’ll be ready to make secure purchases with a tap.

Are there any fees associated with using my credit card abroad?

Our credit cards are accepted globally, but some cards may have foreign transaction fees. Please check your specific credit card’s details for any potential fees.

Can I earn rewards with my credit card?

Yes! Many of our credit cards come with rewards programs, including cash back, travel points, and other incentives. Check your credit card’s details to see what rewards you can earn.

What kind of security features does my credit card have?

Your credit card comes equipped with smart chip technology to provide enhanced security for every transaction. Additionally, you are covered by zero fraud liability in case your credit card is compromised.*

*Terms and conditions apply.

How can I check my account balance or transactions?

You can easily manage your account online or through ONE Wallet digital banking. Check your balance, view transaction history, and even pay your bill all from the convenience of your phone or computer.

Is there a minimum credit score required to apply for a credit card?

Each credit card has different eligibility requirements. Some cards are designed for those building or repairing their credit, while others may require a higher credit score for approval. Check the specific credit card details for more information.