Credit Cards

We’ve got you covered with this offer! Apply for an Old Point National Bank credit card between February 1st and March 31, 2022 and get your FREE 43” Auto Open Inverted Umbrella.***

Personal Credit Cards


Old Point's Credit Cards Fit Your Lifestyle With:

picture of OPNB Credit Card

  • 0% Intro APR* on Purchases & Balance Transfers for the first 12 months. After that, a variable APR, currently 13.24%-27.24% will apply.*
  • Cash & Points Reward Options4
  • Free FICO® Score1
  • $150,000 Travel Accident Insurance Coverage3
  • Cell Phone Protection2
  • ID Navigator Powered by NortonLifeLock™**
  • Fraud Monitoring & Zero Fraud Liability
  • SecurLOCK™ Email and Text Fraud Alerts
  • Mobile Payments with Apple Pay™, Google Pay™, & Samsung Pay™
  • 24/7 U.S.-based Customer Service

 Apply Today!

  APPLY NOW or stop by one of our convenient locations for an application.

 

MyCard Mobile App

The mobile app for your Old Point credit card! Download the app today to quickly and securely manage your card anywhere, anytime.

  • Make a payment, check your balance, and view transaction history
  • See detailed transaction information including location, merchant, and map
  • Card controls allow you to turn your card on/off and report lost or stolen credit cards
  • Receive instant transaction alerts and account notifications
  • View spend insights with graphs
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Pick The Card That Fits You Best:   


   Visa® Signature Travel

  • 24/7 Concierge Service
  • Exclusive Travel Discounts & Event Perks
  • $1,000,000 Travel Accident Insurance Coverage3
  • Lost Luggage Insurance
  • Earn 1.5 points for every net dollar spent. Reward points are unlimited and never expire!4 
  • Earn 30,000 bonus points when you spend $2,500 in the first 3 months4
  • Rewards can be redeemed for merchandise, rental cars, cruises, hotels and airline travel. Airline tickets are good on any airline with no blackout dates. Visit cRewardsCard.com for details.4
  • No Annual Fee*

    Rewards Platinum

  • Earn one point for every net dollar spent. Reward points are unlimited and never expire!4
  • Rewards can be redeemed for merchandise, rental cars, cruises, hotels and airline travel. Airline tickets are good on any airline with no blackout dates. Visit cRewardsCard.com for details.4
  • No Annual Fee*

   Cash Rewards Platinum

  • Earn unlimited 1% cash back for every net dollar spent!4
  • Cash rewards never expire and can be redeemed for statement credit4
  • No Annual Fee*

   Platinum Edition

  • Low APR based on your creditworthiness*
  • Paying late won't raise your interest rate
  • No Annual Fee*

    Secured

  • Helps you build or re-build your credit
  • You provide a security deposit of $300-$5,000, in increments of $100. This determines your credit line, subject to credit approval.
  • With responsible use, you could become eligible to upgrade to an unsecured card in at little as 13 months.
  • Provides financial education via email to help you improve your credit.
  • $29 Annual Fee

 Apply Today!

  APPLY NOW 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 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 7.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 14.24% and 24.24%, Platinum Edition APRs are currently between 13.24% and 23.24%, Cash Rewards Platinum APRs are currently between 17.24% and 27.24%, Visa Signature APRs are currently between 17.24% and 23.24%, and the Secured card APR is currently 23.24%. Rewards Platinum Cash Advance APR is currently 26.24%, Platinum Edition Cash Advance APR is currently 26.24%, and Cash Rewards Platinum Cash Advance APRs are currently 26.24%-29.24%. All APRs are based on creditworthiness. Rates are accurate as of February 1, 2023 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) 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.
 
**No one can prevent all identity theft.

***Gift available while supplies last and limited to one per customer. Complete consumer or business credit card application must be submitted in branch or online to obtain gift. If application is submitted online, customer must bring online application confirmation page to branch in order to receive gift. Gift will be awarded in branch immediately upon submitting the application or showing online application confirmation page. Credit cards are subject to credit review and approval. Credit card approval is not required to obtain free gift.
 
1 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
 
2 Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.
 
3 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.
 
4 Available with Rewards Platinum and Cash Rewards Platinum credit cards only. To access rewards, your account must be open and in good standing.
 
Information is accurate as of 2/1/23 and is subject to change thereafter. See card application’s Important Disclosures for terms, rates and fees.