Personal Credit Cards

Give yourself some credit.

Tired of cash and checks? We offer two kinds of personal credit cards, both with exceptional service and a wide array of valuable benefits like an interest-free grace period1 if paid in full , emergency cash and card replacement, expense monitoring and more. See the breakdown below and decide which card belongs in your wallet.


Best in Personal Cards American Bank Personal Card American Bank Preferred Points Personal Card

Great for establishing your credit history

A rewards card for clients with an established credit history

Introductory Rate

2.9% APR for the first 6 months

2.9% APR for the first 6 months

Standard Rate

Prime + 6.99% APR after the first 6 months2

Prime + 6.99% APR after the first 6 months2

Additional Benefits Rental car collision damage waiver protection
  • Rental car collision damage waiver protection
  • Earn 1 reward point for each dollar spent, up to 10,000 points per month
  • Redeem reward points for cash, retail gift cards, travel and a wide variety of merchandise3

Please contact American Bank to receive an application or Terms and Conditions for more information about current APRs and fees.

125 day grace period on all purchases.  There is no grace period on cash advances. Credit cards are issued by TIB-The Independent Bankers Bank.

2After the introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index (the national Prime Rate as published in the Wall Street Journal).  The Index will be adjusted by the 25th day of each month or the business day preceding the 25th day, if that day falls on a weekend or a holiday recognized by the Federal Reserve Bank.  Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index.  Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Finance Charges on the account, but all calculations will be made using a minimum Index of not less than 5.00%.  The account will never have an APR over 21%. 

3View or redeem rewards points at or call (866) 678-5191.