Personal Credit Cards


BNC Bank offers a unique array of credit cards for everyday purchases and smaller credit needs. 


Whether you are just starting out or are seeking to rebuild your credit, desiring a lower interest rate to pay down other credit card debt or looking to take advantage of a number of bonus, cash or travel rewards—BNC Bank offers a card that may be perfect for you or your business.


Choosing the right credit card is easier than ever.

Whatever your needs, there is a credit card that’s right for you. No matter which card you choose, you will enjoy important card features. All of the credit card products come with EMV (Eurocard-Mastercard-Visa) smart chip technology and mobile purchasing capability for added convenience.

Save with a Longer Intro Rate

Visa® Platinum Card

  • Extended introductory period
  • Save on interest and pay down your other credit card balances faster

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Earn Valuable Rewards

Visa® Bonus Rewards Card

  • Earn 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month
  • $25 cash back after your first purchase1


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Visa® Bonus Rewards PLUS Card

  • Earn 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month
  • $50 cash back after your first purchase1
  • Low annual fee


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Cash Rewards American Express® Card

  • Earn 3% cash back on gas
  • Earn 2% cash back at the supermarket and 1% on all other eligible net purchases
  • $25 cash back after your first purchase1


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Travel Rewards American Express® Card

  • Earn 3X reward earnings on airline net purchases and 2X reward earnings on restaurant and hotel net purchases and 1X reward earnings on all other eligible net purchases
  • $75 cash back after your first purchase1
  • Low annual fee

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Build Your Credit2

Visa® College Rewards Card

  • Great rate and manageable credit line
  • Earn rewards on your everyday spending


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Visa® Secured Card

  • Start building, or rebuilding, your credit history, even if you’ve been turned down for other credit cards.
  • Flexible credit lines based on a security deposit3
  • Low annual fee

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  1. Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Monthly net purchase bonus points will be applied each billing cycle. Net purchases are purchases minus credits and returns
  2. Late payments and going over the credit limit may damage your credit history
  3. Card is linked to a savings account owned by the card owner and that account will be pledged as a security deposit for the credit card

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.

Achieve the goals worth saving for


No matter your long-term strategy, we can help make your money work for you.

Personal Savings