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Credit Cards

Enhanced Features and Rewards

Mastercard® Program

With a robust rewards program and personal and business options to choose from, our Mastercard program has something to fit your lifestyle!

Personal Credit Cards

A view of the Exclusive Rewards credit card.

Exclusive Rewards

Earn up to 2% cash back or 2X points on everyday purchases. And, points never expire. Plus, enjoy an introductory rate of 0% on purchases for seven months and a variable standard rate on purchases as low as 17.50% thereafter.

Apply now!

A view of the Smart Rewards credit card.

Smart Rewards

Earn unlimited 1.5% cash back or 1.5X points on everyday purchases with no annual fees. Plus, enjoy an introductory rate of 0% on purchases for seven months and a variable standard rate on purchases as low as 16.99% thereafter.

Apply now!

A view of the Simply credit card.

Simply

Take advantage of our lowest rates with no reward options and no annual fees. Plus, enjoy an introductory rate of 0% on balance transfers for 14 months and a variable standard rate on purchases as low as 14.00%.

Apply now!

A view of the Achieve Secured credit card.

Achieve Secured

Our no annual fee option to build or rebuild your credit and start your journey to financial success.

Apply now!

Business Credit Cards

A view of the Business Advantage Rewards credit card.

Business Advantage Rewards

Earn unlimited 1.5% cash back or 1.5X points on all business purchases with no annual fees. Plus, enjoy an introductory rate of 0% on purchases for seven months and a variable standard rate on purchases as low as 16.54% thereafter.

Apply now!

A view of the Business ExpressLine credit card.

Business ExpressLine

Take advantage of our lowest business rates with no reward options and no annual fees. Plus, enjoy an introductory rate of 0% on balance transfers for 14 months and a variable standard rate on purchases as low as 13.00%.

Apply now!

Additional Features & Benefits

In addition to the individual features above, all our Mastercards include:

  • No balance transfer fees
  • No over credit limit fees
  • Airport concierge services with expedited security processing at select airports
  • Golf concierge services with access to exclusive offers and experiences
  • Enjoy hidden-gem experiences and special access events worldwide
  • Liability protection for unauthorized purchases

APR = Annual Percentage Rate. The APR will be based on the Prime Rate as published in the Wall Street Journal Money section (index) plus a margin between 4.50% and 14.75% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%. Eligibility for the lowest rate which is stated is based on several factors including, but not limited to, credit worthiness, ability to repay, credit score, term, and other conditions. Not all borrowers will qualify for the lowest rate. Introductory rates apply to new credit card accounts only. View Consumer Application and Solicitation Disclosure, Consumer Credit Card Agreement and Disclosure and Business Credit Card Agreement.

Exclusive Rewards — You will automatically earn 2.00% cash back on the first $50,000 spent during calendar year, then 1.50% thereafter on qualifying net purchases (purchase less any credits, returns and adjustments). You may also redeem them for gift cards or merchandise. Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards. For points expiration see program documentation for details.

Smart Rewards — You will automatically earn 1.50% cash back on qualifying net purchases (purchase less any credits, returns and adjustments). You may also redeem them for gift cards or merchandise. Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards. For point expiration see program documentation for details.

Business Advantage Rewards Mastercard — you will automatically earn 1.50% on qualifying net purchases (less any credits, returns and adjustments). Cash advances, balance transfers and checks used to access your account are not considered purchases and will not earn rewards. Rewards may also be redeemed for gift cards or merchandise at participating retailers. For point expiration see program documentation for details.

Text Fraud Alerts

Our Mastercard credit cards come equipped with text notifications. With text fraud alerts, if our system detects suspicious activity on your card, you'll receive a text message with details about the suspected transaction. All you have to do is respond to the text to confirm the transaction.

If you indicate the transaction is fraud, you'll receive another message with a number to call for follow-up. If not, you're all set. The system will mark the transaction as legitimate and you can get on with your day — simple as that.

If we have your mobile phone number on file, you don't have to do anything. It's really that easy. If there is suspicious activity, we'll send a text alert right away.

If you need to verify or update your mobile phone number, please login to Guardians One Online Banking.