Old Point's Credit Cards Fit Your Lifestyle With
- Cash & Points Reward Options4
- Free FICO® Score1
- $150,000 Travel Accident Insurance Coverage3
- Cell Phone Protection2
- ID Navigator Powered by NortonLifeLock™ 5
- Fraud Monitoring & Zero Fraud Liability
- SecurLOCK™ Email and Text Fraud Alerts
- 24/7 U.S.-based Customer Service
- Mobile Payments with Apple Pay™, Google Pay™, & Samsung Pay™
- 0% Intro APR* on Purchases & Balance Transfers for the first 12 months. After that, a variable APR, currently 13.74%-27.74% will apply.*
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
Pick The Card That Fits You Best:
Excursion Visa Signature®
- No international transaction fees**
- Earn cash back - earn 2% cash back on air travel, hotels, and dining plus 1% cash back on all other purchases.4 Redeem cash back at any time in increments of $25 as a statement credit or ACH transfer.
- Bonus cash - earn $50 cash back when you spend $500 in the first 60 days4
- 24/7 Concierge Service
- Exclusive Travel Discounts & Event Perks
- Rental Car Privileges with Audi On Demand
- Golf Benefits by Troon®
- Special Savings with Sonoma County Vintner Wineries6
- Annual Fee: $0 intro fee for the first year, after that, only $20, waived based on spend**
For full list of features and details visit Visa.com/signature
Visa Signature®
- Earn 1.5 points 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.4
- Earn 30,000 bonus points when you spend $2,500 in the first 3 months4
- 24/7 Concierge Service
- Exclusive Travel Discounts & Event Perks
- Rental Car Privileges with Audi On Demand
- Golf Benefits by Troon®
- Special Savings with Sonoma County Vintner Wineries6
- No Annual Fee*
For full list of features and details visit Visa.com/signature
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*
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*
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.
- 13 months after opening the account a cardholder "could" be eligible for an unsecured card and get the deposit returned7
- Provides financial education via email to help you improve your credit.
- $29 Annual Fee***
Already Have an Old Point Credit Card?
*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 8.00% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 14.74% and 24.74%, Platinum Edition APRs are currently between 13.74% and 23.74%, Cash Rewards Platinum APRs are currently between 17.74% and 27.74%, and Visa Signature APRs are currently between 17.74% and 23.74%. Rewards Platinum Cash Advance APR is currently 26.74%, Platinum Edition Cash Advance APR is currently 26.74%, Cash Rewards Platinum Cash Advance APRs are currently 26.74%-29.74%, and Visa Signature Cash Advance APR is 26.74%. All APRs are based on creditworthiness. Rates are accurate as of November 1, 2024 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.
**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 8.00% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Excursion™ Visa Signature® APRs are currently between 17.74%-23.74%. Excursion Visa Signature Cash Advance APR is currently 26.74%. All APRs are based on credit worthiness. Rates are accurate as of November 1, 2024 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 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. The Excursion Visa Signature intro annual fee is $0 for the first year. After that, the annual fee is $20; it will be waived if annual net spend for the preceding 12 months is $15,000.00 or greater. If annual net spend is not met, $20 will be charged on the 13th billing cycle and annually thereafter. When calculating annual net spend, finance charges, fees, balance transfers, cash advances, ATM withdrawals, or insurance charges posted to your Account will not be included. Subject to credit approval. This card is issued by TCM Bank, N.A.
***Your Annual Percentage Rate (APR) will vary based on the U.S. Prime Rate as published in the Wall Street Journal. We add a margin to the Prime Rate to determine your
Annual Percentage Rate (APR). We use the highest Prime Rate listed 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. The APR shown here is based on a 8.00% Prime Rate. For each
billing period, the APR may increase or decrease with the Prime Rate. The APR is determined by adding a margin to the Prime Rate. The margin for the APR for Purchases
and Balance Transfers is 15.74% and for Cash Advances is 18.74%. The Secured Credit Card APR is currently 23.74%. This APR is accurate as of November 1, 2024 and
subject to change. To find out what may have changed, contact us or check our website for the current rate. For each billing period, the Fees include: Annual Fee, $29.00
and Transaction Fees, Balance Transfer and Cash Advance Fees, 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. Other Fees may include: Penalty Fees; Late Payment Fees, up to $40.00; Over-the Credit Limit Fee, $0.00; and Returned Payment Fee, Up to $40.00. Subject
to credit approval. This card is issued by TCM Bank, N.A.
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 Excursion Visa Signature, Visa Signature, Rewards Platinum, and Cash Rewards Platinum credit cards only. To access rewards, your account must be open and in good standing.
5 No one can prevent all identity theft.
6 Certain restrictions and limitations apply. Benefits vary at select Sonoma County wineries and are subject to change at any time. Go to visa.com/signature for full details.
7 In as little as 13 months of responsible use, you become eligible for an account review for graduation to an unsecured credit card. In order to graduate, you must make on-time
payments, spend within your credit limit, have a credit score of at least 660, and have no delinquencies in 12 months. If your account becomes 30 days delinquent, we will
close the account and use your security deposit to pay any outstanding balances. Any remaining funds will be returned to you within 90 days of account closing.
See card application's Important Disclosures for current terms, rates and fees.