Personal Credit Cards

Shelby State Bank offers you a variety of personal credit card options so you can customize your selection to the way you use them.

This is not a cookie-cutter approach to personal credit! Shelby State Bank offers you the choice of Visa® or American Express® with a variety of rewards options and other benefits:

ssb cc 1440x810

Download PDF

VISA Cards

Shelby State Bank offers Rewards and RewardsPlus VISA cards. Receive Rewards Points and Bonus Points for net purchases with your card, and redeem them for cash back1, gift certificates, name-brand merchandise and even airfare!

It’s nice to be rewarded for the spending you already do!

You also have the option to go without a rewards program with our SSB Platinum Visa as low as 10.49% APR (Annual Percentage Rate).

Paperless statements and email alerts are available with all our Visa programs, helping you stay on top of your accounts easily. See the application below for all terms and conditions.

1 Cash back redemptions are a cash deposit to a checking or savings account within seven business days or as a statement credit to your card account within 1 or 2 billing cycles.

Download the VISA Application

Visa
American Express

AMERICAN EXPRESS Cards with Rewards

Earn up to 3% cash back1 every month with the Cash Rewards American Express, or up to 4X Points for every dollar spent every month with the Premier Rewards American Express. These cards are designed to help your rewards add up quickly while you simply take care of your normal monthly spending.

Cash back, travel, merchandise and gift cards – all these are part of the program.

See the application below for all terms and conditions.

1 Cash back redemptions are a cash deposit to a checking or savings account within seven business days or as a statement credit to your card account within 1 or 2 billing cycles.

Download the AMEX Application

Credit Builder (Secured) VISA

If you want to start your credit history from scratch or rebuild after being turned down for a credit card, Shelby State Bank wants to help! Our Secured Visa is backed by a dedicated savings account where the credit line is your deposit amount.

You also receive:

  • Zero Fraud Liability
  • View your credit score online for FREE
  • Online account access and customized account alerts
  • Auto Rental Collision coverage
  • And more – talk to any SSB employee about your needs

See the application below for all terms and conditions. We are ready to help you learn, grow and protect your credit!

Download the Secured VISA Application

Secured Visa
Man holding phone and credit card

College VISA

Our goal with college students is to establish good credit and sound financial habits at the same time. Our College VISA is a good way to accomplish that with no annual fee and the benefits of having friendly, local Shelby State Bank personnel available as a learning resource.

DOWNLOAD THE COLLEGE VISA APPLICATION

Ask about Business Credit Cards

Need the flexibility and convenience of a credit card for business purposes? Shelby State Bank offers those, too – with Rewards! Click here for information.