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Credit Cards

The American Community Bank credit card program offers the opportunity to customize your card to meet your needs. Available for both consumers and businesses. Ask for an application at any branch.

CONSUMER Credit Card Features and Options:

• Low introductory rate
• Choice of MasterCard or Visa
• Choice of Low Rate card or Preferred Points card (with choice of rewards)



Download our PDF Application

Low Rate Credit Card Details:

• Introductory APR of 2.9% for the first six (6) months
• Ongoing APR of Prime* + 6.99%
• No Annual Fee
• Online account access and management available at www.cardaccount.net

Preferred Points Credit Card Details:

• Introductory APR of 2.9% for the first six (6) months
• Ongoing APR of Prime* + 11.99%
• No Annual Fee
• Earn one point for each dollar spent up to 10,000 points per month.
  Points can be redeemed for cash back, travel, merchandise, and retail gift cards.
• Online account access and management available at www.cardaccount.net
• To view or redeem rewards points visit www.mypreferredpoints.com
  or call 866-678-5191

BUSINESS Credit Card Features and Options:

• Choice of MasterCard or Visa
• Choice of Standard card or Preferred Points card (with choice of rewards)



Download our PDF Application

BUSINESS Standard Credit Card Details:

• Ongoing APR of Prime* + 10.99%
• No Annual Fee
• Individual and summary billing options
• Online account access and management available at www.cardaccount.net

BUSINESS Preferred Points Credit Card Details:

• Ongoing APR of Prime* + 10.99%
• Annual Fee of $49 per account
• Individual billing option only
• Earn one point for each dollar spent up to 10,000 points per month.
  Points can be redeemed for cash back, travel, merchandise, and retail gift cards.
• Online account access and management available at www.cardaccount.net
• To view or redeem rewards points visit www.mypreferredpoints.com
  or call 866-678-5191

Other Details for All Cards:

• 25 day Grace Period on all purchases. No Grace Period for Cash Advances or cash equivalent transactions.
• Balance Transfer Fee: 3% of the Balance Transfer amount, subject to a minimum fee of $10
• Cash Advance Fee: 3% of the Cash Advance amount, subject to a minimum fee of $10
• International Transaction Fee: 2% of the U.S. dollar amount of the transaction converted from the foreign currency
• Late Fee: $25
• NSF (Returned Payment) Fee: $25
• Agent Assisted Pay-By-Phone: $10
• Penalty APR: Prime* + $15.99%. This APR may be applied if you allow your account to become 60 days past due. If your APR is increased for this reason, the Penalty APR will apply until you make three consecutive minimum payments when due. The account will never have an APR over 21%.
• Balances are calculated with the Average Daily Balance method (including new purchases)
• To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore

* The Annual Percentage Rate (APR) will vary based on changes in the Index (the National Prime Rate published in the Wall Street Journal). The Index will be adjusted on the 25th day of each month or the business day preceeding 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 interest charges on the account. The account will never have an APR over 21%.