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Personal Credit Cards
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*You will leave our site and be directed to our secure online banking portal.

Legacy Bank personal credit cards make money available when you need it and how you need it.  With management, safekeeping, and accessibility tools you can rest assured your finances are in your hands.

Low Rate

We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do. 

  1. Features
  2. Benefits
  3. Fees
  • No annual fee.
  • Low introductory rate for the first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Preferred Points Rewards

  1. Features
  2. Benefits
  3. Fees
  • Earn one reward point for each dollar spent, up to 10,000 points per month.
  • Low introductory rate for first six months.*
  • Competitive ongoing APR.*
  • No annual fee.
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

*Please see application for information about current APRs and fees.

To Apply Now

  • Download the PDF application.   Download Here
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself). Paper applications are also available at our local branch office.
  • Deliver completed paperwork to nearest branch. Let us manage your application process.