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Personal Credit Cards
More Spending Power.
More Benefits

The right credit card should do more than just make purchases—it should work for you. At Capital Bank, our Visa® credit cards offer flexibility, convenience, and rewards tailored to your lifestyle. Whether you want to build credit, earn cash back, or save with a low APR, we have a card that fits your needs.

What will it take to pay off your credit card?
Check out our payoff calculator to find out!
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Capital Bank VISA Credit Cards

Let us help you choose the card that’s right for you! Contact a Banking Specialist today! Apply and compare rates!

To report a lost or stolen card, please contact us at (607) 737-3711 or (800) 836-3711 during normal business hours. After hours, please contact (800) 472-3272.

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Benefits:

  • 0% intro APR* on purchases and balance transfers for 12 months**
  • Competitive Rates**
  • Mobile Pay
  • Fraud Monitoring and Zero Fraud Liability
  • Chip Card Security
  • Earn one point for every net dollar you spend
  • Points redeemable for merchandise, rental cars, cruises and airline travel
  • Travel accident insurance**
  • Personal service from people you know
  • Online account access

Apply for our VISA® Platinum Credit Card or compare rates.

Call 800-836-3711 for a mailed application. For customer service call 800-883-0131. To report a lost or stolen card call 866-839-3485.

*APR=Annual Percentage Rate **Refer to the online loan application center for current terms, rates and fees, or see the card's application. Travel Accident Insurance Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A.

Benefits:

  • 0% intro APR* on purchases and balance transfers for 12 months**
  • Competitive rates*
  • Fraud Monitoring and Zero Fraud Liability
  • Chip Card Security
  • Travel Accident Insurance ($150,000)
  • Mobile Pay
  • Earn 1 point for every dollar spent
  • Personal service and hometown convenience
  • Online Access

Apply for our VISA® Platinum Rewards Credit Card or compare rates.

Call 800-836-3711 for a mailed application. For customer service call 800-883-0131. To report a lost or stolen card call 866-839-3485.

*APR=Annual Percentage Rate **Refer to the online loan application center for current terms, rates and fees, or see the card's application. Travel Accident Insurance Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A.

Benefits:

  • 0% intro APR* on purchases and balance transfers for 12 months*
  • Competitive Rates**
  • Free FICO® Score (updated monthly)
  • Cellphone Protection
  • Email and Text Fraud Alerts
  • Mobile Payments
  • Online account access

Apply for our VISA® Secured Platinum Credit Card or compare rates. 

Call 800-836-3711 for a mailed application. For customer service call 800-883-0131. To report a lost or stolen card call 866-839-3485.

*APR=Annual Percentage Rate **Refer to the online loan application center for current terms, rates and fees, or see the card's application. Your account must be in good standing. Restrictions to coverage may apply. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A.

Benefits:

  • 0% intro APR* on purchases and balance transfers for 12 months**
  • Competitive Rates**
  • Fraud Monitoring and Zero Fraud Liability
  • Chip Card Security
  • Earn 1% Cash Back on all purchases
  • Travel accident insurance**
  • Personal service from people you know
  • Online account access

Apply for our VISA® Cash Rewards Platinum Credit Card or compare rates. 

Call 800-836-3711 for a mailed application. For customer service call 800-883-0131. To report a lost or stolen card call 866-839-3485.

*APR=Annual Percentage Rate **Refer to the online loan application center for current terms, rates and fees, or see the card's application. Travel Accident Insurance Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A.

Benefits:

  • 0% intro APR* on purchases and balance transfers for 12 months**
  • Competitive Rates**
  • Travel Discounts
  • Travel Insurance**
  • Fraud Monitoring and Zero Fraud Liability
  • Chip Card Security
  • Earn 1.5 points per dollar on net purchases
  • 24/7 Concierge Service

Apply for our VISA® Signature Travel Credit Card or compare rates. 

Call 800-836-3711 for a mailed application. For customer service call 800-883-0131. To report a lost or stolen card call 866-839-3485.

*APR=Annual Percentage Rate **Refer to the online loan application center for current terms, rates and fees, or see the card's application. Travel Accident Insurance Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A.
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