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Credit Cards

Credit cards from your community bank - a perfect combination

There are many choices to make when selecting a credit card – are you looking for a fixed rate, do you want no or low annual fees or perhaps you want to earn points that can be redeemed for almost anything?  That’s why American Bank has different types of Visa credit cards including Visa Platinum, Visa Platinum Scorecard, and Visa Platinum Secured.  Click on the tabs below to learn more about each type of card and find out which one is right for you!  When you’re ready to apply, just click on the “How to Apply” tab. 

Plus, it's easy to manage your credit card account with online account access available at MyCardStatement.com.  With MyCardStatement.com, you can view recent transactions as well as statements for the past 18 months, make payments, dispute transactions, download information to your financial software, set account alerts and take advantage of expense report features.  To get started or to log on, go to MyCardStatement.com or select it from the drop down menu under “Access Other Accounts” on the right side of any page of our site (under the online banking log-in).

Platinum

Get the extra benefits and features that only a Visa Platinum Credit Card offers.  In addition to a low fixed interest rate and no annual fee, our Visa Platinum Credit Card has these other great features, such as:

  • No-Cost Travel Accident Insurance – use your card to purchase tickets on any common carrier – air, land or sea – and you’re covered in the event of an accident or loss (up to $150,000)
  • Travel and Emergency Services:
    • Emergency ticket replacement assistance
    • Emergency pet housing and/or pet return
    • Emergency message relay assistance
    • Emergency translation service & assistance
    • Emergency transportation assistance
    • Legal referral assistance
    • Lost luggage locator assistance
    • Medical referral assistance
    • Partner program discounts
    • Personal travel agent service
    • Prescription assistance and valuable document delivery assistance
    • Pre-trip assistance
    • Replacement of corrective lenses and medical devices
  • Warranty Services (exclusions may apply)
    • Extended Warranty – extends the manufacturer’s original U.S. warranty period up to one additional year for warranties of five years or less (for warranties of one year or less, the warranty period will be doubled)
    • Warranty Registration – with one toll-free call, you can register any purchased item that has a manufacturer’s original U.S. warranty included as a standard part of the item
    • Extended Service Agreements – offers protection beyond the coverage provided by an item’s manufacturer and the Extended Warranty service (additional fee applies)
  • Fraud Monitoring – Minimizing the threat of fraud is a matter of having the right tools in place. Credit card transactions are monitored for suspicious activity and fraud utilizing real-time fraud monitoring. This aids in the prevention of fraud immediately by declining the transaction while the fraudster is still at the point-of-sale. American Bank will attempt to contact you at any phone number (including mobile, wireless/cellular, or similar devices), email address or mailing address within the Bank’s records to verify the transaction.
  • 60 Days of Price Protection – for purchases made using your covered account, the Price Guarantee Program will reimburse you if a price reduction is advertised on the identical item within 60 days from the date of purchase (exclusions may apply)
  • Satisfaction Plus ® 90-Day Protection & Extended Warranty – allows you to receive a repair, replacement or reimbursement if an eligible purchase is stolen or damaged within 90 days of purchase (exclusions may apply)
  • Plus, other valuable cardholder benefits including: a travel reservation service, identity theft insurance, identity theft victim assistance, payment card registration and 90-day product protection

Platinum ScoreCard

Our Visa Platinum ScoreCard earns points with each purchase which can be redeemed for premiums such as airline tickets, hotel accommodations, car rentals and so much more.  This card also has a fixed interest rate and a low annual fee of just $15.

ScoreCard Rewards

Life is more rewarding with ScoreCard Rewards!  It's simple - you use your Visa Platinum ScoreCard for purchases and earn bonus points.  These points can be redeemed for exciting merchandise and travel rewards!  There are rewards available for everyone with more than 1,600 items available and top brands including Apple®, Sony® and Dyson®.  Awards start at only 700 points and you can order online anytime, day or night.  And, shipping is free! 

You can also conveniently manage your points online at ScoreCardRewards.com.  Setting up your profile takes just a few minutes – answer a few questions and set-up your user name and password.  Visit ScoreCardRewards.com to get started today! 

Mobile App

You can also access your ScoreCard rewards points on the go with the ScoreMore™ mobile app available on Apple® and Android™ smartphones.   ScoreMore™ is an enhancement to the ScoreCard® Rewards program that rewards you with additional merchant-funded Bonus Points for shopping with your card at select national, regional and local retailers.  Now you will have access at your fingertips with the ScoreMore™ app!  Simply visit the app store for your smartphone and download the free ScoreMore™ application.  Once you’ve downloaded the app, log in using your secure ScoreCardRewards.com credentials.  Your smartphone becomes another way to browse ScoreMore offers and participating merchants and even maps the offers for you!

Other Features and Benefits

Plus, your Visa Platinum ScoreCard has these other great features and benefits such as:

  • No-Cost Travel Accident Insurance – use your card to purchase tickets on any common carrier – air, land or sea – and you’re covered in the event of an accident or loss (up to $150,000)
  • Travel and Emergency Services:
    • Emergency ticket replacement assistance
    • Emergency pet housing and/or pet return
    • Emergency message relay assistance
    • Emergency translation service & assistance
    • Emergency transportation assistance
    • Legal referral assistance
    • Lost luggage locator assistance
    • Medical referral assistance
    • Partner program discounts
    • Personal travel agent service
    • Prescription assistance and valuable document delivery assistance
    • Pre-trip assistance
    • Replacement of corrective lenses and medical devices
  • Warranty Services (exclusions may apply)
    • Extended Warranty – extends the manufacturer’s original U.S. warranty period up to one additional year for warranties of five years or less (for warranties of one year or less, the warranty period will be doubled)
    • Warranty Registration – with one toll free call, you can register any purchased item that has a manufacturer’s original U.S. warranty included as a standard part of the item
    • Extended Service Agreements – offers protection beyond the coverage provided by an item’s manufacturer and the Extended Warranty service (additional fee applies)
  • Fraud Monitoring – Minimizing the threat of fraud is a matter of having the right tools in place. Credit card transactions are monitored for suspicious activity and fraud utilizing real-time fraud monitoring. This aids in the prevention of fraud immediately by declining the transaction while the fraudster is still at the point-of-sale. American Bank will attempt to contact you at any phone number (including mobile, wireless/cellular, or similar devices), email address or mailing address within the Bank’s records to verify the transaction.
  • 60 Days of Price Protection – for purchases made using your covered account, the Price Guarantee Program will reimburse you if a price reduction is advertised on the identical item within 60 days from the date of purchase (exclusions may apply)
  • Satisfaction Plus ® 90-Day Protection & Extended Warranty – allows you to receive a repair, replacement or reimbursement if an eligible purchase is stolen or damaged within 90 days of purchase (exclusions may apply)
  • Plus, other valuable cardholder benefits including: a travel reservation service, identity theft insurance, identity theft victim assistance, payment card registration and 90-day product protection

Platinum Secured

If you would like to start establishing credit or have limited credit history, a Visa Platinum Secured Credit Card may be the right card choice for you.  This account will help you build your credit when you pledge an amount equal to your credit line in an American Bank deposit account.  You can then make purchases up to the amount you have in the deposit account. 

Plus, you’ll be able to take advantage of these other great benefits, such as:

  • No-Cost Travel Accident Insurance – use your card to purchase tickets on any common carrier – air, land or sea – and you’re covered in the event of an accident or loss (up to $150,000)
  • Travel and Emergency Services:
    • Emergency ticket replacement assistance
    • Emergency pet housing and/or pet return
    • Emergency message relay assistance
    • Emergency translation service & assistance
    • Emergency transportation assistance
    • Legal referral assistance
    • Lost luggage locator assistance
    • Medical referral assistance
    • Partner program discounts
    • Personal travel agent service
    • Prescription assistance and valuable document delivery assistance
    • Pre-trip assistance
    • Replacement of corrective lenses and medical devices
  • Warranty Services (exclusions may apply)
    • Extended Warranty – extends the manufacturer’s original U.S. warranty period up to one additional year for warranties of five years or less (for warranties of one year or less, the warranty period will be doubled)
    • Warranty Registration – with one toll free call, you can register any purchased item that has a manufacturer’s original U.S. warranty included as a standard part of the item
    • Extended Service Agreements – offers protection beyond the coverage provided by an item’s manufacturer and the Extended Warranty service (additional fee applies)
  • Fraud Monitoring – Minimizing the threat of fraud is a matter of having the right tools in place. Credit card transactions are monitored for suspicious activity and fraud utilizing real-time fraud monitoring. This aids in the prevention of fraud immediately by declining the transaction while the fraudster is still at the point-of-sale. American Bank will attempt to contact you at any phone number (including mobile, wireless/cellular, or similar devices), email address or mailing address within the Bank’s records to verify the transaction.

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