Personal Credit Cards

Flexible Options to Fit Your Financial Lifestyle

Accepted worldwide, First Reliance Bank’s VISA® credit cards provide convenient purchasing power for everyday expenses, travel, entertainment, and more. Enjoy the benefits of security and flexibility every time you use your card.

Card Features

Global Acceptance

Leverage the buying power of VISA

Enhanced Security

Contactless and EMV chip-enabled cards

Digital Wallet Compatibility

Supports Apple Pay, Samsung Pay, and Google Pay

Zero Liability Protection

You’re only responsible for purchases you authorize; unauthorized transactions are not your responsibility

Our Credit Card Options

Platinum Visa® Card

  • No annual fee ¹.
  • Introductory Annual Percentage Rate (APR)²: 0% on purchases and balance transfers for the first 7 billing cycles if paid in full.
  • Variable APR²: Variable, based on the Wall Street Prime Rate (currently 17% APR).
  • Manage card through online website or mobile app.
  • Account Management: 24/7 access via consumer.cardservices.bank or the CardValet mobile app.
    Click the icon to learn more: CardValet APP

Cash Back Platinum Visa® Card

  • Cash Back: 1% on all qualifying purchases with no cap.
  • Annual fee $35 ¹.
  • Introductory Annual Percentage Rate (APR)²: 0% on purchases and balance transfers for the first 7 billing cycles if paid in full.
  • Variable APR²: Variable, based on the Wall Street Prime Rate (currently 15% APR).
  • Account Management: 24/7 access via consumer.cardservices.bank or the CardValet mobile app.
    Click the icon to learn more: CardValet APP

All credit cards are subject to credit approval.
¹ Transaction fees include:

Balance Transfer: Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance: Either $5 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 2% of the transaction in U.S. dollars.

Penalty fees include:

Late Payment up to $25.
Returned Payment up to $25.

² Annual Percentage Rate (APR) is subject to change based on market conditions.

Manage Your Card with Ease

Online Credit Card Services

Real-Time Alerts:

Set up notifications for all purchases, specific transactions, or declined attempts.

Transaction Management:

View purchases, add memos, and categorize spending for easy tracking.

Card Controls:

Activate your card, and report lost or stolen cards directly online.

CardValet APP

CardValet Mobile App

Comprehensive Oversight:

Monitor all account activity at a glance.

Payment Management:

Handle transactions and payment options seamlessly.

Profile Updates:

Modify personal information as needed.

Custom Alerts:

Set up notifications to track payments and balances.

On-the-Go Access:

Manage your account anytime, anywhere via the app, available on the Apple App Store and Google Play Store.

First Reliance Bank credit card app screenshot

Credit Card Customer Support

To have support with your personal credit card, please contact: 1-888-999-3340.

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