Personal
Credit Cards
Use Your Card. Get Rewarded.
Choose the American Community Bank credit card you want and shop in-store or online, pay bills, travel locally or abroad, and earn rewards every time you use your credit card.
Personal Card Specific Information
Card Type | Description | Rewards | Additional Benefits |
|---|---|---|---|
Classic Credit Card | Our Classic Credit Card makes everyday purchases more rewarding with cash back1. | Earn unlimited 1% cash back1 for every purchase | Use the Classic Credit Card to shop in-store or online, for monthly bills or mobile payments and get rewarded every time. |
Ultimate Credit Card | Turn everyday purchases into rewards that you can redeem for gift cards and merchandise. | Standard Rewards: Earn 1 Rewards Point2 for every $1 spent and redeem for travel, gift cards, merchandise and more. | Use the Ultimate Credit Card to shop or pay bills and redeem for gift cards, merchandise and more. |
World Credit Card | Create share-worthy experiences with added card benefits and rewards. | Standard Rewards: Earn 1 Rewards Point4 for every $1 spent and redeem for travel, gift cards, merchandise, and cash back. | • Cellular Wireless Telephone Protection10 • Mastercard Travel Services8 • Mastercard Digital Merchant Offers10 including ride-sharing, food delivery, online shopping, and more. |
World Elite Credit Card | Travel like a VIP with amazing card benefits and rewards. | Standard Rewards: Earn 1 Rewards Point6 for every $1 spent ‒ from VIP experiences to day-to-day activities, and redeem for travel, gift cards, cash back and more. | • Cellular Wireless Telephone Protection10 • Mastercard Travel Services8 • Mastercard World Elite Concierge Services9 • PriorityPass - Airport Lounge Access10 • Mastercard Digital Merchant Offers10 including ride-sharing, food delivery, online shopping, and more. |
Benefits for All Cards | Details |
|---|---|
Mastercard® Benefits | Mastercard Zero Liability Protection8 • Help protect against unauthorized card purchases Mastercard Global Service8 • Global assistance, 24/7, for lost or stolen cards, emergency card replacement, and emergency cash advances Mastercard Airport Concierge9 • Enhanced travel benefits while travelling Mastercard ID Theft Protection8 • High-risk transaction monitoring and alerts, and white-glove restoration services Priceless® Experiences8 • Access to exclusive experiences including dining, concerts, etc. |
Card Management | Easily and conveniently manage cards and users, view statements, make payments, set controls and alerts, plus much more online or via a mobile device. |
* For information about the rates, fees, other costs and benefits associated with the use of these cards, visit gonow.credit/acbankerapply and refer to the disclosures accompanying the credit card applications. Credit cards are subject to credit review and approval.
1) Earn one Rewards Point (1% cash back) for each $1 spent on qualified purchases. The cash redemption value of each Reward Point is $0.01. Fractional Rewards Points will be rounded down to the nearest whole number. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points do not expire. You must request redemption of Rewards Points to receive cash back as a statement credit. See the uChoose Rewards® Program Terms and Conditions gonow.credit/rewards for redemption instructions and additional information.
2) Earn one Rewards Point for each $1 spent on qualified purchases. Fractional Rewards Points will be rounded down to the nearest whole number. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points expire after 3 years from the accrual date. See the uChoose Rewards® Program Terms and Conditions gonow.credit/rewards for redemption instructions and additional information.
3) Ultimate Card Bonus Points Offer. You will earn 10,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $3,000 (exclusive of balance transfers, cash advances, fees, returns and adjustments) that post to your account within 90 days of the account open date. Points expire after three years. Redeem for travel, gift cards, merchandise and more.
4) Earn one Rewards Point for each $1 spent on qualified purchases. Rewards Points may be redeemed for cash back or other non-cash options. Fractional Rewards Points will be rounded down to the nearest whole number. For cash-back redemptions, each Rewards Point can be redeemed for a $.01 statement credit. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards points do not expire. You must request redemption of Rewards Points to receive cash back as a statement credit. See the uChoose Rewards Program Terms and Conditions at gonow.credit/rewards for redemption instructions and additional information.
5) World Card Bonus Points Offer. You will earn 25,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $3,000 (exclusive of balance transfers, cash advances, fees, returns and adjustments) that post to your account within 90 days of the account open date. Rewards Points do not expire and can be redeemed for travel, gift cards, merchandise and more. Cash back via statement credit.
6) Earn one Rewards Point for each $1 spent on qualified purchases. Rewards Points may be redeemed for cash back or other non-cash options. Fractional Rewards Points will be rounded down to the nearest whole number. For cash-back redemptions, each Rewards Point can be redeemed for a $.01 statement credit. For example, if you make a qualifying purchase of $5.65, you will be awarded 5 Rewards Points. Rewards Points do not expire. You must request redemption of Rewards Points to receive cash back as a statement credit. See the uChoose Rewards® Program Terms and Conditions at gonow.credit/rewards for redemption instructions and additional information.
7) World Elite Card Bonus Points Offer. You will earn 50,000 bonus points if you use your new credit card account to make any combination of Purchase transactions totaling at least $5,000 (exclusive of balance transfers, cash advances, fees, returns and adjustments) that post to your account within 90 days of the account open date. Rewards points do not expire and can be redeemed for travel, gift cards, merchandise and more. Cash back via statement credit.
8) Mastercard, Priceless, Mastercard Travel Services, Mastercard World Elite and the circles design are registered trademarks of Mastercard International Incorporated. Please refer to the Mastercard Guide to Benefits for more information.
9) For details on Mastercard Airport Concierge visit mastercard.globalairportconcierge.com
10) All third-party trademarks are the property of their respective owners. Enrollment required to access value added discounts. Please refer to Mastercard Guide to Benefits for more information. Visit mastercard.us/worldoffers for a full list of current digital merchant offers and applicable Terms and Conditions.