Rewards Credit Card

Our Digital Banking app makes managing your credit card account a breeze

• Make a payment
• Check your balance
• View and manage your rewards points
• View available credit limit
• View transaction history

Download the app today

Protecting you and your credit card is our top priority

• State-of-the-art EMV Chip Security for safer transactions at the checkout
• Identity Theft Resolution Services that provide assistance with the process of restoring your identity in the event of identity theft

Get your Smart Credit Card questions answered by a PRO

Transparency is important to us. Our fine print is actually the same size as anything else we talk about.

Billing Rights:
We use a method called “average daily balance (including new purchases)” to calculate your balance. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Click here to view.

How You Earn Rewards Points:

• Cardholders will earn one point for every one U.S. dollar ($1) in eligible net purchases. "Net purchases" are defined as the dollar value of goods and services purchased beginning with the first day of the month that includes the Enrollment Date, minus any credits, returns, or other adjustments as reflected on monthly billing statements. Negative points will post on a statement if returns or credits exceed purchases.
• Transactions excluded from point calculation include: (a) cash advances, ATM withdrawals, convenience checks, balance transfers, except as otherwise permitted in special promotional offers; (b) any fees and card-related charges posted, including ATM fees, late fees, over-limit fees, annual fees, and finance charges as outlined in the applicable cardholder agreement; or (c) any unauthorized charges or transactions.
• Points may be earned only if the applicable account is in good standing. If the account is closed for any reason, all points that were accumulated but unused will be forfeited immediately.