
If you're looking for a reliable credit card to cover your everyday expenses, consider the National Bank Credit Card. This card offers a generous credit limit, allowing you to make larger purchases with confidence.
The National Bank Credit Card also features a competitive interest rate, making it an affordable option for those who need to carry a balance. With this rate, you can enjoy more flexibility in your spending and repayment.
One of the standout benefits of the National Bank Credit Card is its rewards program, which offers cashback on select purchases. By using this card for your daily expenses, you can earn rewards that can be redeemed for statement credits or other perks.
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Credit Card Options
Old Point's credit cards offer a range of benefits to fit your lifestyle. You can earn Cash & Points Reward Options, which can be redeemed for travel, merchandise, or other rewards.
One of the standout features of Old Point's credit cards is the free FICO Score, which gives you an idea of your credit health. This can be especially helpful if you're trying to improve your credit score.
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For added peace of mind, Old Point's credit cards come with $150,000 Travel Accident Insurance Coverage, which can provide financial protection in case of unexpected events while traveling.
Cell Phone Protection is also included, which can help cover the cost of repairing or replacing your phone in case of damage or theft.
Old Point's credit cards also offer ID Navigator Powered by NortonLifeLock, which can help protect your identity and provide alerts if suspicious activity is detected.
In addition to these benefits, Old Point's credit cards come with Fraud Monitoring & Zero Fraud Liability, which can help protect you from financial loss in case of unauthorized transactions.
You'll also receive SecurLOCK™ Email and Text Fraud Alerts, which can keep you informed about any suspicious activity on your account.
Old Point's credit cards also offer 24/7 U.S.-based Customer Service, so you can get help whenever you need it.
Mobile Payments with Apple Pay, Google Pay, & Samsung Pay are also supported, making it easy to make purchases on the go.
Finally, Old Point's credit cards offer a 0% Intro APR* on Purchases & Balance Transfers for the first 12 months, followed by a variable APR of 15.74%-27.99%.
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Using Your Credit Card
You can use your credit card for a variety of transactions, and with the right features, you can make your business run more smoothly.
With our business credit card options, you can enjoy free online expense reporting tools, which can save you time and effort when it comes to tracking your business expenses.
You can also use your credit card for mobile payments, giving you added convenience when making transactions on the go.
No fee for additional employee cards means you can issue cards to your team members without incurring extra costs.
Zero Fraud Liability protects you from financial loss in case your card is lost or stolen, giving you peace of mind when using your credit card.
You can reach our Cardmember Service 24 hours a day, 365 days a year, so you can get help whenever you need it.
Here are some of the key features of our business credit cards:
- Free online expense reporting tools
- No fee for additional employee cards
- Mobile payment capability
- Zero Fraud Liability
- Cardmember Service available 24/7
Credit Card Security
Credit card security is a top priority for national bank credit card holders.
National bank credit cards use advanced encryption to protect your sensitive information, ensuring that even if hackers try to intercept your data, it will be unreadable.
You can rest assured that your credit card information is safe with a national bank credit card, thanks to their robust security measures.
These security measures include real-time monitoring and alerts, which can detect and prevent suspicious activity on your account.
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Secured
Secured credit cards can be a great option for building or rebuilding your credit. They require a security deposit, which determines your credit line, subject to credit approval.
You'll need to provide a security deposit of $300-$5,000, in increments of $100. This deposit will be refunded to you after 13 months of responsible credit behavior, making it a relatively low-risk option.
The card also provides financial education via email to help you improve your credit. This can be a valuable resource for those looking to learn more about credit management.
The annual fee for this card is $29, which is a relatively standard rate for a secured credit card.
Here are the key benefits of secured credit cards at a glance:
- Helps you build or re-build your credit
- Security deposit refundable after 13 months
- Financial education via email
- $29 Annual Fee
How Chips Make Debit and Credit Cards More Secure
Chips in debit and credit cards are a game-changer when it comes to security. They generate unique data for each transaction, making it much harder for thieves to reuse stolen information.
This means that even if a data breach occurs, the stolen information can't be used to make other purchases. It's like having an extra layer of protection for your financial information.
Cards with a chip are also much harder to counterfeit. This is because the chip's unique data can't be easily replicated, making it a major obstacle for scammers.
The chip's security features make it a more reliable option than traditional magnetic stripe cards. I've heard of people having their cards compromised due to magnetic stripe vulnerabilities, but that's much less likely with a chip.
In the event of unauthorized use, cardholders can rest easy knowing that Elan Financial Services provides zero fraud liability. Cardholders just need to notify Elan Financial Services promptly to take advantage of this protection.
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Managing Your Credit Card
Managing your credit card is easier than ever with the tools provided by your national bank. You can download the mobile app to quickly and securely manage your card anywhere, anytime.
The mobile app offers a range of features, including making payments, checking your balance, and viewing transaction history. You can also see detailed transaction information, including location, merchant, and map.
With card controls, you can turn your card on/off and report lost or stolen credit cards. This way, you can minimize any potential damage and protect your account.
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MyCard Mobile App
The MyCard Mobile App is a game-changer for managing your credit card. You can download it today to quickly and securely manage your card anywhere, anytime.
With the app, you can make a payment, check your balance, and view transaction history. This makes it easy to stay on top of your finances.
Card controls allow you to turn your card on/off and report lost or stolen credit cards. This feature gives you peace of mind in case your card is ever lost or stolen.
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You'll also receive instant transaction alerts and account notifications. This keeps you informed about your spending and helps you catch any suspicious activity.
To get a better understanding of your spending habits, you can view spend insights with graphs. This visual representation of your data makes it easy to identify areas where you can cut back.
Online Bill Pay
You can pay your credit card online through the American National Bank website, which offers the convenience of directly paying through other bank accounts.
One option is to set up automatic payments, so you never miss a payment and can avoid late fees.
With online bill pay, you can also take advantage of the ability to pay your credit card directly through other American National Bank accounts.
This feature can be a big help if you have multiple accounts with the bank, making it easier to manage your finances.
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Frequently Asked Questions
What credit score is needed for First National Bank credit card?
To be approved for a First National Bank credit card, you'll need a good credit score of 700+ and a strong credit history. If you meet this credit score requirement, you may be eligible for a credit card with favorable terms.
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