Credit Cards

Personal Credit Cards


Old Point's Credit Cards Fit Your Lifestyle With:

picture of OPNB Credit Card

  • 0% Intro APR for 12 Months for Purchases & Balance Transfers*
  • Competitive Rates
  • Cash & Points Reward Options
  • Free FICO® Score via MyCardStatement.com1
  • $150,000 Travel Accident Insurance Coverage2
  • Cell Phone Protection3
  • 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™
  • Contactless Cards
  • 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 Coverage1
  • Lost Luggage Insurance
  • Earn 1.5 points for every net dollar spent. Reward points are unlimited and never expire! 
  • Earn 30,000 bonus points when you spend $2,500 in the first 3 months
  • 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.
  • No Annual Fee

    Rewards Platinum

  • Earn one point for every net dollar spent. Reward points are unlimited and never expire! 
  • 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.
  • No Annual Fee

   Cash Rewards Platinum

  • Earn unlimited 1% cash back for every net dollar spent!
  • Cash rewards never expire and can be redeemed for statement credit
  • 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 (APR) 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. Platinum Edition APRs are currently between 8.99% and 18.99%, Rewards Platinum APRs are currently between 9.99% and 19.99%, Cash Rewards Platinum APRs are currently between 12.99% and 22.99%, Visa Signature Travel APRs are currently between 12.99% and 18.99%, and Platinum Secured APRs is currently 18.99%. All APRs are based on creditworthiness. 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 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency or if made in U.S. dollars.

**No one can prevent all identity theft.
 
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 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.
 
3 Certain terms, conditions and exclusions apply. In order for coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefits visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.

Information is accurate as of 3/20/21 and is subject to change thereafter. See card application’s Important Disclosures for terms, rates and fees.

Cards are issued by TCM Bank, N.A., pursuant to a license from Visa Incorporated. Visa® is a registered trademark of Visa Incorporated. Subject to credit approval and approval. Must be 18 years or older to apply.