handing a credit card

Personal Credit Cards

Old Point's credit cards fit your lifestyle with

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  • Low Rates
  • No Annual Fees*
  • 0% Intro APR for 12 Months for Purchases & Balance Transfers*
  • Travel Accident Insurance1
  • 24/7 Personal Customer Service Located in the U.S.
  • Fraud Monitoring & Zero Fraud Liability
  • SecurLOCKTM Email and Text Fraud Alerts
  • Chip Card Security 

   Rewards Platinum

  • Earn unlimited reward points that never expire! 
  • Rewards can be redeemed for merchandise, rental cars, cruises, hotels and airline travel! Visit cRewardsCard.com for details

   Cash Rewards Platinum

  • Earn unlimited 1% cash back on ALL net purchases!
  • Cash rewards never expire and can be redeemed for statement credit


  • Low APR based on your creditworthiness*
  • Paying late won't raise your interest rate

 Apply Today!

  Apply online or stop by one of our convenient locations for an application.


Already have an Old Point Credit Card?

Contact our 24/7 Credit Card Support at 800.883.0131

*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 U.S. Prime Rate as published in the Wall Street Journal. Rewards Platinum APRs are currently between 11.49% and 21.49%, Cash Rewards Platinum APRs are currently between 14.49% and 24.49%, and Platinum Edition APRs are currently between 10.49% and 20.49%. All APRs are based on creditworthiness. Rates are accurate as of May 1, 2018 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 from a foreign currency, or (b) 0.8% 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.

1 Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.