IBC Bank

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  Maximum Rewards® Card Platinum Edition® Card Secured Card
 
Description

Simply earn unlimited rewards on your purchases

Get a great rate

Establish or improve your credit

Rewards

EARN BIGGER REWARDS with UNLIMITED 1.5% BACK2 on purchases simply, everywhere you shop. Redeem for cash back, gift cards, travel or merchandise.2

Plus, you have 5 years from when points are awarded to use them before they expire.2

Reward yourself by saving money on interest with a great intro rate on balance transfers.

Enjoy the rewards of established or improved credit. Plus, you may be able to get your deposit back automatically in as little as 11 months, when you maintain a good payment history with us, subject to credit approval.

Bonus Offers

None

None

Higher credit limit: You can 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. 

Credit Limit

Variable based on your creditworthiness.

Variable based on your creditworthiness.

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.

Annual Fee

$01

$01

Low $35 Annual Fee1

Promotional APR

None

0% introductory APR1 for the first 6 billing cycles after the account is opened on balance transfers.

None

Standard APR

A variable APR1 on purchases and balance transfers based on the Prime Rate between 17.99% and 27.99% depending on your creditworthiness.

After that, a variable APR based on the Prime Rate between 13.99% and 21.99% APR depending on your creditworthiness.

Variable 23.99% APR1 on purchases and balance transfers based on the Prime Rate.

Balance Transfer Fee1

A balance transfer fee1 of 5% applies to each balance transfer that you make (minimum fee $10).

A balance transfer fee1 of 5% applies to each balance transfer that you make (minimum fee $10).

A balance transfer fee1 of 5% applies to each balance transfer that you make (minimum fee $10).

Foreign Transaction Fee1

3% of each transaction in U.S. dollars.1

3% of each transaction in U.S. dollars.1

3% of each transaction in U.S. dollars.1

Free Access to FICO® Score
Zero Liability5
Fraud Protection4
Roadside Assistance4
Auto Rental Insurance4
Mobile Banking
Paperless Statements
Chip Enabled