Category Archives: Community Bank

Comerica Visa Cards

Community Bank,

Comerica Offers 6 Types of Credit Cards

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Comerica Wants You

Whether you desire rewards, interest-free introductory offers, low APR rates, or building up a credit history Comerica has a credit card for you.

With the holiday season in full swing, shoppers can spread their payments into 2022 with no interest charges when signing up for a new Comerica Visa Platinum Card.

Or if you prefer to pay the card within 6 months at zero interest, the Comerica Visa Signature Card will return 1.5% of the purchase price as statement credit.

For the college students and those seeking to repair their credit, Comerica offers a Visa College Real Rewards Card and Visa Secured Credit Card.

Comerica Visa Platinum Card

  • 0.00% APR for the first 20 billing cycles on purchases
  • 0.00% APR for the first 20 billing cycles on balance transfers (fees apply)
  • 13.49% to 22.49% APR
  • No annual fee
  • Skip the rewards and save on interest if carrying a balance

Comerica Visa Signature Real Rewards Card

Enjoy competitive rates, expanded purchasing power, the best rewards, exclusive Visa Signature privileges and elite card member services.

The Visa Signature card features unlimited 1.5% cash back on all net purchases, round-trip airfare beginning at 25,000 points, or brand-name merchandise and gift cards at the same industry-leading rebate value as cash rewards.

  • A premier rewards card with no annual fee
  • Unlimited 1% cash back
  • 0.00% APR for the first 6 billing cycles on purchases.
  • 0.00% APR for the first 6 billing cycles on balance transfers (fees apply)
  • Earn 2,500 first-use bonus points, which you can redeem for a $25 statement credit.
  • Redeem for travel on any airline without frequent flyer program restrictions
  • Exclusive Signature privileges
  • Purchase APR varies from 14.49% to 23.49%

Comerica Cash Rewards American Express Card

Renown American Express service and perks with generous rewards and no annual fee.

  • A rewards card with no annual fee
  • 3% cash back (up $6,000 annually and 1% after that)
  • 2% cash back on eligible supermarket purchases.
  • 1% cash back on all other eligible items
  • Earn 2,500 first-use bonus points, which you can redeem for a $25 statement credit.
  • Purchase APR varies from 13.39% to 22.99%
  • Purchase tickets for popular events before general public
  • Zero fraud liability

Comerica Premier Rewards American Express Card

Enhanced American Express card with features and perks for the deserving customer.

  • 4X points on restaurant purchases
  • 3X points on airline purchases
  • 2X points on gas station purchases
  • 1X points on all other eligible items
  • Earn $100 value after a modest $1,000 spend within 3 months of opening account
  • Purchase APR varies from 14.49% to 22.99%
  • No foreign transaction fee
  • Global entry or TSA pre-Statement credit
  • Zero fraud liability
  • no annual fee in first year, $99 thereafter

Comerica College Rewards Visa Card

If you’re a college student with limited credit history, here’s a card that will help you take a giant step into responsible credit use.

The College Rewards Visa Card allows you to establish a solid credit history while earning valuable rewards.

  • No annual fee
  • Earn $25 bonus upon first use of the card
  • Credit card convenience
  • Attractive rates
  • Earn 1.5 points for every net purchase dollar
  • Select from a wide variety of reward options on travel, cash, gift certificates, merchandise or through our exclusive Choose Your Own Rewards program, you can redeem points for any card purchase
  • Purchase APR 14.49% to 23.49%
  • Applicant must be 18 years of age, have a U.S. address and Social Security number

VeraBank World Mastercard

Community Bank,

VeraBank Credit Card

Originally established as the Citizens National Bank, today VeraBank is dedicated to serve as the preferred financial services provider in its marketplace.

With its deep community bank roots and independent spirit, VeraBank offers

  • outstanding service
  • relevant products and efficient channels
  • the best and brightest bankers in its communities

Ultimate customer satisfaction and care sets VeraBank from the others, as explained by the guiding principles established from its very inception.

In the old days in this part of the country, if you had a cow, a sow, and a hen, you could survive.

From the cow came the milk and butter; from the sow the bacon, lard, and hams; and from the hen, eggs.

As East Texas became more and more affluent, we reminded ourselves and our customers – “Don’t forget the cow, the sow, and the hen.”

cow, sow, hen

Read the terms and benefits below carefully to judge whether the VeraBank Mastercard should be part of your financial well-being.

Introductory Offer
  • 2.90% APR on purchases and balance transfers during the first 6 months
Rewards
  • Get one point for every eligible $1 spent on your credit card
  • Flexible Rewards Options
    • Travel
    • Cash
    • Merchandise
    • Retail Gift Cards
Interest Rates as Annual Percentage Rate (APR)
  • Purchases paid in full within 25 days of statement date: 0%
  • Balances on statements after 25 days: 15.24%
  • Balance Transfers: 15.24%
  • Cash Advances: 15.24%
Fees
  • Annual Fee: none
  • Balance transfers: 3% ($10 min)
  • Cash Advances: 3% ($10 min)
  • Foreign transaction: 2%
  • Late penalty: $25
Free Benefits
  • Zero-liability on unauthorized use of the card
  • Card lock if it’s lost or stolen
  • Enroll in automatic payment feature to avoid late charges
  • Text or email alerts on purchases, balances, due dates, and more
  • Add authorized users for free, but they don’t pay for their charges
  • Warranty extension where applicable
  • Auto collision waiver damage
  • Travel and emergency assistance (service fees may apply)
  • Travel accident insurance
  • Roadside assistance
  • 24/7 customer service

For application and important details visit the VeraBank credit card web page.

Citizens and Northern Bank

Community Bank,

Citizens Northern Bank credit cards

Citizens and Northern Bank credit cards offers applicants two choices:

C&N Visa® Lifetime Card

Lower interest rates
APR start at 10.49% for excellent credit scores with an initial maximum of 17.49% based on creditworthiness. Rates may vary depending on prime rates.

No Annual Fee

At the present time there aren’t any no promotional APR offers.

C&N Visa® Lifetime Rewards Card

1% reward points on eligible purchases
APR start at 12.49% for excellent credit scores with an initial maximum of 19.49% based on creditworthiness. Rates may vary depending on prime rates.

No Annual Fee

At the present time there aren’t any no promotional APR offers.

Features & Benefits

  • Zero fraud liability on unauthorized activity
  • EMV smart chip technology for added security
  • Mobile purchasing capability
  • Free checking accounts available with no monthly fees
  • 25 day grace period gives ample time in case of buyer’s remorse
  • Make payments automatically to never miss a payment

Associated Bank Platinum Credit Card

Community Bank,

Associated Bank Platinum Credit Card

Receive $25 or $50 Cash Back

Associated Bank, through Elan Financial, offers potential clients a $25 or $50 bonus for simply opening a NEW Associated Bank Platinum Credit Card

After that Reward Card Holders earn a minimum 1% unlimited cash back and triple rewards on most purchases made with their card.

Now Associated Bank Visa credit cards come with Apple Pay: the easy, secure and private way to pay for your purchases.

With security always in mind, text alerts are available whenever the card is used by you or someone else for any reason.

Text alerts also provide you with friendly reminders of important upcoming events such as payments or bills that do not want to miss.

Sign up for automatic bill pay for peace of mind so you are have a late-payment penalty or damage your credit score.

With their customer’s financial flexibility in mind, Associated Bank issues four tiers of credit cards as follows:

Visa Bonus Rewards Card
Earn 1% unlimited cash back
Get 25% more on all points earned every month, automatically
No caps or limits on points earned (points expire after 5 years)
$25 cash back with your first purchase
0% APR for the first 6 months on purchases

Visa Bonus Rewards PLUS Card
Earn 1% unlimited cash back.
Get 50% more on all points earned every month, automatically
No caps or limits on points earned (points expire after 5 years)
$50 cash back with your first purchase
0% APR for the first 6 months on purchases

Visa Platinum Credit Card
The basic, non-rewards credit card
Best introductory APR offer
Pay down any credit card balances faster
0% APR for the first 12 months on purchases

College Rewards Visa Card
For college students only
Earn 1 reward point for every $1 in net purchases
Receive 1,000 bonus rewards points with your first purchase
Low rates and manageable credit lines

For details about these cards, or a secured Visa card, click here.

Visa Signature Card benefits include:

  • Extended Warranty Coverage
    Double the manufacturer’s warranty (up to one year).
  • Auto Rental Collision Damage Waiver
    Automatically provides the card member with 24/7 coverage for damage due to collision or theft when rental company’s collision damage waiver option is declined and rental charged to the Associated Bank Visa card.
  • Travel Assistance
    To replace lost tickets, obtain medical and legal referrals.
  • Travel Accident Insurance
    Automatically provides the card member with coverage when tickets for travel on common carriers are purchased with their Visa Signature Card (up to $1,000,000).
  • Get Cash Fast
    Get a cash advance from over one million ATMs worldwide (fees and interest charges apply)
  • Convenience and Flexibility
    Accepted at millions of locations worldwide.
  • 24/7 card member hotline
    Always have a representative available via toll-free number 24 hours a day/365 days per year
  • Visa Card zero liability
    Card holder is not liable for fraudulent purchases when card lost or stolen (some restrictions may apply).
  • Verified by Visa
    Protects Visa credit cards with personal passwords while shopping online with participating merchants. Complete details on Verified by Visa
  • Sports & Entertainment
    Visa Signature package includes preferred seating, exclusive tickets, VIP packages to special events, and much more.
  • Wine & Food
    Unique dining and wine experiences and offers.
  • Travel, Hotel & Spa
    Upgrades, discounts, special offers, and VIP travel packages to select locations
  • Shopping
    Exclusive to Visa Signature card holders in-store and online offers from major retailers.
  • Concierge
    Complimentary concierge available 24 hours a day to help with dining reservations, travel arrangements and personal services.
  • No Preset Spending Limit
    For added flexibility and convenience.
  • Free Credit Card Checks
    Convenient for the times when a credit card is not accepted.
  • Free Extra Card
    Card members can share benefits with other authorized users

Get Associated Bank Visa credit card details and application here.