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Personal Credit Cards

We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.

Personal Card – Low Rate
Features • No annual fee. • Low introductory rate for the first six months.¹ • Competitive ongoing APR. ¹ • 25-day interest-free grace period on all purchases. No grace period on cash advances. Benefits • 24-hour toll-free live customer assistance available at 800-367-7576. • Car rental insurance coverage and a host of extraordinary Mastercard® benefits. • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances. Fees • Other fees may be charged, these fees are listed on the downloadable application.

Personal Card –World / Preferred Points Reward
Features •Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month. •Low introductory rate for first six months. ¹ •Competitive ongoing APR. ¹ •No annual fee. •25-day interest-free grace period on all purchases. No grace period on cash advances. Benefits •Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more. •To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191. •24-hour toll-free live customer assistance available at 800-367-7576. •Car rental insurance coverage and a host of extraordinary Mastercard benefits. •Unlike some card offers, the APR ¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances. Fees •Other fees may be charged; these fees are listed on the downloadable application.

To Apply Now
Visit the application link below.
Consumer Credit Card Application

¹ Please see application for information about current APRs and fees.

Note: We do not process the card application at First Federal Community Bank, so communication regarding your submitted application will need to be made with TIB. You can speak with a representative at TIB by calling 800-367-7576 or emailing tibcustomerservice@tib.bank

Quicklinks Include

Personal Credit Cards

Personal Card – Low Rate

Personal Card –World / Preferred Points Reward