IBC Bank Credit Cards
Choose the right card for you.
Apply for your card today.
The benefits and features of our credit cards are designed to meet a variety of financial needs. Check out what each card offers and decide which one is right for you. Each credit card also includes valuable Visa® benefits to help make your everyday life a little easier.
Personal IBC Credit Cards OverviewChecking Process Header
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Maximum Rewards® Visa Signature® Card
Simply earn unlimited rewards on purchases plus a low intro
Simply earn unlimited rewards on purchases plus a low intro
- Unlimited 1.5% Cash Back2 on every purchase. Every day. No categories to keep track of.
- Receive an ultra-low introductory APR on purchases and balance transfers.
- Redeem for cash back, gift cards, travel or merchandise.2
- No annual fee1
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Secured Visa® Card
Establish or Improve Your Credit
Establish or Improve Your Credit
- Request your own credit limit by providing a single deposit between $300 and $5,000 (multiples of $50) when you apply, subject to credit approval.
- Enjoy the rewards of established or improved credit. You may be able to get your deposit back in as little as 11 months when you maintain a good payment history. Subject to credit approval.
- Plus, qualify for a credit limit increase without an additional deposit in as little as 7 months when you use your card and make regular, on-time bill payments, subject to credit approval.
- Low $35 annual fee1
All cards offer you:
Online account access for your credit card provides you the quickest and easiest way to:
- Contactless technology for touch-free payments
- Free access to your FICO® Score, anytime, anywhere
- Online and mobile account access
- Fraud protection - we monitor your account and alert you of any suspicious activity
- Activate your credit card
- Make payments
- Transfer balances
- Request Credit Limit Increases
- View statements
Simply access your account by clicking on the link below.
Please see the Summary of Credit Terms provided at time of application for important information on rates, fees, costs, conditions and limitations. Minimum monthly payments required.
You must pay your entire statement balance (including all promotional purchase and balance transfer balances) by the due date each month to avoid being charged interest on new purchases from the date those purchases are made, unless your new purchases are subject to a 0% interest rate.
1For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms provided at time of application.
2 See the Rewards Terms and Conditions in the Summary of Credit Terms, provided at time of application for details, including earning, redemption, expiration or forfeiture. Your % back rewards are earned as points.
Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A., Inc. Visa and Visa Signature are registered trademarks of Visa International Service Association and used under license.
FICO and "The score lenders use" are trademarks and/or registered trademarks of Fair Isaac Corporation in the United States and other countries. Please note, new cardmembers will generally see their FICO® Bankcard Score 9 (the version of FICO® Score we use to manage their account) within 45 days of account opening.
FICO and "The score lenders use" are trademarks and/or registered trademarks of Fair Isaac Corporation in the United States and other countries. Please note, new cardmembers will generally see their FICO® Bankcard Score 9 (the version of FICO® Score we use to manage their account) within 45 days of account opening.