VISA Credit Cards

 World Class Cards from People You Trust
Merchants State Bank is here to help you find the card that's right for you.

To apply for a Merchants State Bank VISA credit card - e-mail us to have an application sent to you or stop at any one of our three branch locations!

Consumer Visa Credit Cards 

Reward yourself every day!  With Visa Signature Rewards, you have your choice of Superior Rewards!

Special $25.00 Bonus: Receive 2,500 bonus points the first time you use your card.  You can immediately redeem for a $25 statement credit.

Unlimited 1% Cash Back: Redeem your points for a full 1% cash back with no limit to how much you can earn.

Unrestricted Travel: Redeem your points for free airline tickets.  Enjoy the freedom to choose your airline, flight and travel dates without restriction, and experience the exceptional value and service of online travel rewards powered by Travelocity.

Merchandise & Gift Cards: Choose from a wide variety of brand-name merchandise or gift cards from your favorite retailer or restaurant.

Choose Your Own Reward: The unique Choose Your Own Rewards option allows you to redeem points for a statement credit in the amount of any purchase you choose.

 
Business Visa Credit Cards
Make your business even more rewarding!  The family of Visa Business credit cards all offer the flexibility to separate business from personal expenses, access to free spending reports and the purchasing power you need to manage your business.  All with the security that comes with every Visa Business credit card.

Visa Business Travel: The Premium Business Card for Frequent Travelers

0% introductory rate for 6 months on purchases & balance transfers 5,000 first use bonus points - redeem for a $50 statement credit 1% cash back for each dollar charged to your account Double points on airline, train, car rental & hotel bookings $50 annual company fee and free employee cards Fly any airline without frequent flyer program restrictions

Visa Platinum Business Rewards: Earn Double Rewards for Everyday Business Expenses

0% introductory rate for 6 months on purchases & balance transfers 2,500 first use bonus points - redeem for a $25 statement credit 1% cash back for each dollar charged to your account Double points on gasoline, restaurants & telecom Redeem your points for brand name merchandise, certificates for restaurants and travel needs such as hotels, car rentals and so much more!

Visa Business: The Traditional Credit Card for Business Owners

The Visa Business card offers you the flexibility to make purchases, pay bills and manage business expenses while providing the simplicity and convenience of a traditional business card.

Young Adult & College Credit Cards The credit you deserve...today & tomorrow!

Choose the card that's right for you:

Young Adult Credit Card Apply for the Young Adult Card if you are 16 or older, have a co-signer and would like to build your credit. -No minimum income required -Apply with a co-signer -No annual fee -Competitive rates -Build or improve your credit rating -Free online account access

College Rewards Credit Card Apply for the College Rewards Card if you are 18 or older, have income and would like rewards. -No annual fee -Earn reward points -1,000 point bonus -Flexible rewards program -Build your financial independence -Free online account access

   For a copy of the cardholder's agreement for any of our Visa Credit Cards, please contact Merchants State Bank by e-mail or phone, 1-866-228-9747.

To apply for a Merchants State Bank Visa credit card, stop in any of our 
three branch locations for an application. 

Three New Convenient Payment Options:

1. AutoPay
   -Set up an automatic monthly withdrawal from a checking or savings account to pay your bill
   -Your payment will appear on your monthly statement
2. Phone Pay
   -Call in your payment from any touch-tone phone as an alternate to mailing in a check
   -Our automated phone service makes it easy with step-by-step instructions - simply call 1-800-558-3424 to get started
3. Internet You Pay
   -Pay online at www.myaccountaccess.com - enter your Personal ID and Password.
   -If you do not have a PIN, call Cardmember Service to request one
   -Your payment will appear on your monthly statement 

Verified by Visa

Your Advantage Checkcard is equipped with Verified by Visa - a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction. To learn more, visit http://usa.visa.com/personal/security.