handing a credit card

Personal Credit Cards

Old Point's credit cards fit your lifestyle with

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

   Rewards Platinum

  • Earn unlimited reward points that don't 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 purchases!
  • Cash rewards don't expire and can be redeemed for statement credit anytime.


  • Low APR between 9.99% and 19.99%, 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?

If you have an Old Point MasterCard® credit card that looks like this
Lighthouse Old Point Credit Card with MasterCard logo 
If you have an Old Point VISA® credit card that looks like this
Blue and Green Old Point Credit Card with VISA logo 

Subject to credit approval. Cards issued by TCM Bank, N.A.

*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 10.99% and 20.99%, Platinum Edition APRs are currently between 9.99% and 19.99%, and Cash Rewards Platinum APRs are currently between 13.99% and 23.99%. All APRs are based on creditworthiness. Rates are accurate as of August 1, 2017 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. Subject to credit approval. This card is issued by TCM Bank, N.A.
**Gift available while supplies last and limited to one per customer. Complete 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.