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Credit Card Services

Personal and Business Merchant Credit Card Services

Whether you need a business merchant credit card or personal credit card, Central Bank & Trust has you covered. The Central Bank & Trust Credit Cards from Visa® offer competitive rates, great rewards, and top-of-the-line security. Connect with our team today, or keep scrolling to learn more.

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Credit Card Services


An easier way to choose your business credit card.

Managing and tracking your business expenses is easier than ever with the Central Bank & Trust Business Credit Cards from Visa®.  With our business merchant credit card services, you now have control of your commercial banking with the ability to issue cards for employees and manage their purchases with individual spending limits and enjoy:

  • No annual fees* and no penalty rates*
  • Set up account alerts
  • Make and schedule payments
  • Employee cards at no additional cost
  • Administrative access to online account management
  • Sign up for paperless monthly statements detailing each purchase
  • Pay with your card using Apple Pay®, Google Pay™ or Samsung Pay™
  • Receive fraud alerts through text or email with SecurLOCK™


Enjoying the rewards has never been easier.

Want to earn cash back? Maybe you prefer great rewards instead. With the new Central Bank & Trust personal credit card services from Visa®, the choice is yours. With our personal banking, you can choose the card that’s best for you and enjoy these great benefits:

  • No annual fees* and no penalty rates*
  • Set up account alerts
  • Make and schedule payments
  • Sign up for paperless statements
  • Pay with your card using Apple Pay®, Google Pay™ or Samsung Pay™
  • Receive fraud alerts through text or email with SecurLOCK™

Ready to get started? Click on the button to apply now.APPLY NOW

Frequently Asked Questions

Can I access my credit card online?

Absolutely. You can manage your credit card online at www.MyCardStatement.com.

Once enrolled, you can:

  • Make payments
  • View statements, transactions and spending reports
  • Enroll in paperless statements
  • Set up account alerts
  • Dispute transactions
  • View your FICO® Score**

**FICO® Score is available at no additional cost to you and is updated monthly. FICO® Score is for personal credit cardholders only and is not available for businesses.

When will I receive statements?

A monthly statement will be mailed to you after each billing cycle.***

You can choose to receive paperless statements, once enrolled at www.MyCardStatement.com.

***If you have more than one credit card holder, a monthly statement will be issued for each cardholder. You can request a consolidated statement at any time.

What is SecurLOCK™?

SecurLOCK™ is a tool included with your Central Bank & Trust credit card that can send alerts directly to your mobile phone number via text message or email about potential fraudulent transactions on your credit card.

In order to receive alerts, you must link an active mobile phone number to your credit card.

*Refer to the card application’s Important Disclosures for terms, rates and fees. 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 3.25% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 9.99% and 19.99%, Platinum Edition APRs are currently between 8.99% and 18.99%, and Cash Rewards Platinum APRs are currently between 12.99% and 22.99%. Rates are accurate as of April 30, 2020 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted f rom a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A.

Credit cards are issued by TCM Bank, N.A. and are subject to credit approval.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung Pay is a trademark of Samsung Electronics Co, Ltd. Central Bank & Trust  is not affiliated with Visa, Apple Inc., Google LLC, or Samsung Electronics Co, Ltd.

In order to access rewards, your account must be open and in good standing