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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 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.

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

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