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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.

APPLY online today!
Or you can
e-mail Merchants State Bank to have an application sent to you or stop at any one of our four locations!

Consumer Cards

Choosing the right credit card is easier than ever.

No matter which card you choose, you'll enjoy important features like:

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Plus much more!
Let's get started...

Save with a longer intro rate.

VISA Platinum Card
Save on interest with an extended introductory rate and pay down other credit card balances faster. More

Earn valuable rewards.

VISA Bonus Rewards Card
Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month. Plus get $25 cash back1 after your first purchase. More

VISA Bonus Rewards PLUS Card
Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month. Plus get $50 cash back1 after your first purchase - all with a low annual fee. More

Cash Rewards American Express® Card
Earn Cash back1 every time you use your card: 3% on gas, 2% at supermarkets, and 1% on all other eligible net purchases, plus $25 cash back1 after your first purchase. More

Travel Rewards American Express® Card
Earn great rewards faster with 3X reward earnings on airline net purchases and 2X reward earnings on restaurant and hotel net purchases and 1X reward earnings on all other eligible net purchases, plus get $75 cash back1 after your first purchase - all with a low annual fee. More

Build your credit.2

Visa College Rewards Card
Get off to the right start with a great rate and manageable credit line, plus earn rewards on your everyday spend. More

Visa Secured Card
Start building (or rebuilding) your credit history, even if you've been turned down for other credit cards, with flexible credit lines based on a security deposit and a low annual fee. More

1 - Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.
2 - Late payments and going over the credit limit may damage your credit history. The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.


Business Cards

Choosing the right business credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:

  • Award-winning expense management tools
  • Free employee cards
  • EMV smart chip technology for added security
  • Mobile purchasing for added convenience
Let's get started...

Earn valuable rewards.

VISA Business Business Cash Card
Earn cash back1 every time you use your card: 3% on office supply store net purchases and phone/internet services, 2% on restaurant and gas net purchases, and 1% on all other eligible net purchases, plus get $25 cash back after your first purchase. More

VISA Business Bonus Rewards Card
Watch your rewards add up fast with 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month, plus get $25 cash back1 after your first purchase. More

VISA Business Bonus Rewards PLUS Card
Watch your rewards add up even faster with 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month, plus get $50 cash back1 after your first purchase - all with a low annual fee. More

1 - Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.


 

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 
four
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 Visa Credit Card 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.

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