Person using credit card in shop

Credit Cards

Personal Credit Cards 

Give yourself the credit—and benefits—you deserve! Switch to a Citizens First Bank Visa® Credit Card! Stop by one of our convenient locations or apply here today.
 

Visa® Platinum Credit Cards

Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits.

Three great options all from the bank you know best.

  • Rewards Platinum - Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit cRewardsCard.com for details.3
  • Cash Rewards Platinum - Earn 1% cash back on all net purchases.3
  • 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® and Google Pay™ for a safe and secure way to pay
  • Free FICO® Score1
  • Cell Phone Protection2
  • Fraud Monitoring and Zero Fraud Liability
  • SecurLOCKTM Email and Text Fraud Alerts

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.
1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
2Certain 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.
3In order to access rewards, your account must be open and in good standing.
4No one can prevent all identity theft. 
 

Visa® Secured Credit Card

Our Secured Credit Card* is the perfect solution if you are looking to build or re-build your credit. It works like any other credit card except it requires a security deposit which is held as collateral for your account.

Plus, you receive these great benefits.
  • Graduation Eligibility1: With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months.1
  • Free FICO® Score2
  • Fraud Monitoring & Zero Fraud Liability
  • Text & Email Fraud Alerts
  • Mobile Payments
  • 24/7, U.S.-based Customer Service
  • Financial Education 
 
Member FDIC
*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 monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

Introducing MyCard Mobile 

Get quick and secure access to your account from wherever you are. Introducing MyCard Mobile. the mobile app for your Citizens First Bank credit card! Download the app today to manage your card from anywhere, anytime. MyCard Mobile allows you to do the following: 
  • Make a payment, check your balance and transaction history
  • See enriched data combining location, merchant, and map
  • Lock and report lost or stolen credit cards 
  • View spend insights with graphs 
  • Receive transaction and account alerts 
Visit the app store on your Apple or Android device to download the app today! 
 
This card is issued by TCM Bank, N.A. Subject to credit approval. 
My card mobile graphic