Merchants State Bank Your hometown bank since 1899
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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.

Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

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

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide. 
  • Mobile purchasing capability for added convenience.
  • Cardmember Service available 24 hours a day/365 days per year. 
  • Plus much more!

 For more information on Consumer Credit Cards please click here.

 Business Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

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

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience. 
  • Cardmember Service available 24 hours a day/365 days per year. 

For more information on Business Credit Cards please click here.  


 APPLY online today!

e-mail Merchants State Bank to have an application sent to you

or stop at any one of our four locations! 


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


VISA Secure

Your Visa Credit Card is equipped with VISA Secure- a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction. To learn more, visit 



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