IB Visa® Credit Card
Our consumer and business Visa® credit cards will meet your financial needs and offers a competitive interest rate. Your Visa® credit card account is fully supported by IB staff and can be managed completely online.
Introducing
New Visa® Credit Card Products
Independence Bank is excited to announce improvements to our credit card program, including enhanced security with our EMV chip, online access to view your account, a new credit card design and eletronic statement availability.
Click Each Credit Card to Learn More
Commercial/Business
Product | Independence Business | Independence Business Premium | Independence P Cards |
Rate | 14.48%, fixed | 16.48%, fixed | 16.48%, fixed |
Penalty Rate | 24.98% after 2 late payments, will revert after 6 months of on-time payment | 24.98% after 2 late payments, will revert after 6 months of on-time payments | 24.98% after 2 late payments, will revert after 6 months of on-time payments |
Cash Advanced Rate | 24.98% | 24.98% | 24.98% |
Rewards* | 1 point per $1 spent | 2 points per dollar on fuel and hotel purchases, 1.5 points per $1 on everything else | 2 points per dollar on fuel and hotel purchases, 1.5 points per $1 on everything else |
Annual Fee | $0 | $250 *waived if spend exceeds $50,000 in previous 12 months | $250 per company *Balance due in full. Viritual cards only. Must be a Business Premium customer |
Metal Cards | 2 per account, must pay fee for additional metal cards |
Consumer
Product | Independence Freedom | Independence Premium |
Rate | 12.48%, fixed | 16.48%, fixed |
Penalty Rate | 24.98% after 2 late payments, will revert after 6 months of on-time payments | 24.98% after 2 late payments, will revert after 6 months of on-time payments |
Cash Advanced Rate | 24.98% | 24.98% |
Rewards* | 1 point per $1 spent | 2 points per dollar on fuel and hotel purchases, 1 point per $1 on everything else |
Annual Fee | $0 | $100 *waived if spend exceeds $15,000 in previous 12 months |
Metal Cards | 2 per account, must pay fee for additional metal cards |
Fees Applicable to All Credit Card Products
Product | All Products |
Cash Advance | Greater of $10 or 5% |
Balance Transfer | Greater of $10 or 5% |
Late Fee | $30 after 3 calendar days |
International Transactions | 1% |
NSF Returned Payments | $30 |
Metal Card Replacement Fee** **(1 free replacement per year) | $50 |
Plastic Card Replacement Fee** **(1 free replacement per year) | $15 |
* Additional rewards promotions can be ran to market and increase the attractiveness of our card products, i.e. 2 points per dollar spent locally during holiday season | |
Our Credit Card received an upgrade! Starting now, you will be able to access your consumer credit cards on our IB Mobile App with your debit cards. SecurLock will no longer have access to your IB Credit Cards.
Features include:
- Ability to turn your card on and off
- Controls and alerts based on transaction and merchant types, location, and spend limits
- View latest transactions
Online Access to Your Credit Card Account
Using your new credit card, sign up for your online access. This will be a quick and easy way to help you keep track of your credit card transactions. With online access you can:
- Review your account summary
- View statements
- Make payments
- Set alerts to be emailed to you
- Search transactions
- Generate a report on spending
- And much more…
To access your account or to enroll for online access, click on the link below.
Spendtrack
- Track Expenses & Analyze Spending Trends
- Make Payments & Set up Autopayments
- Manage Departments & Users
- Manage Cardholder Limits
- Manage Cards (Lock Card, Lost/Stolen, Travel Plans, Replacement, etc.)
- Issue & Manage Single-time or Multi-use Virtual Cards
- P (Purchase) Cards
- View & Redeem uChoose Rewards®
Account inquiries and payments can be made at Independence Bank or online at MyCard Statement.
For more information, click the button below on the IB Visa® Credit Card Terms & Conditions page.
Contact us for more information about the IB Visa® Credit Card.
Lost or Stolen Card
During Business Hours:
Call 800-823-2274 or visit your Independence Bank branch
After Business Hours:
For customer service call 800-423-7503
To report your card as lost or stolen call 800-325-3678
To report fraudulent activity call 800-600-5249
Frequently Asked Questions (FAQs) about our new Visa® Credit Card products
Independence Bank is changing the credit card processor to better serve your credit card needs. This change requires that a new card be issued.
You will no longer receive a PIN in the mail, and your old PIN will not work with the new card. You can select your unique PIN by calling the number on the activation label and choosing the PIN option.
No. Your existing card will not work after October 18, 2026. Instructions will come with your new card to ensure it is ready to use on or after October 19, 2026.
Yes. As a security feature, all cards being issued with this conversion will have a unique number and will arrive separately. However, you will continue to receive only one bill, regardless of the number of cards on the account.
To ensure there is no interruption in recurring or preauthorized payments (such as monthly telephone, electricity, gas bills, insurance, clubs), contact the merchant on or after October 19, 2026 with your new card number and expiration date.
No. Your due date will stay the same.
You will not be able to access statements/history online as of October 19, 2026, so we recommend you save the statements to your computer or print hard copies before this date.
Tokenization will not be available immediately on the conversion live date (October 19, 2026). While we anticipate enabling tokenization as soon as possible, it may take up to 12 weeks after October 19, 2026 for this feature to become fully available.
Once tokenization is live and your new credit card is activated, you’ll be able to add it to digital wallets such as Apple Pay®, Google Pay™, Garmin Pay™, and Samsung Pay™. Tokenization replaces your actual card number with a unique digital token, enhancing security for mobile and online transactions.
Important details:
- You must activate your new card before adding it to a digital wallet.
- Each cardholder (primary and secondary) can tokenize their individual card numbers.
- If your old card was previously tokenized, you will need to re-add the new card manually once tokenization is available.
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Tokenization will be supported for all major mobile wallet platforms once live.
No, you will start earning points the first time you make a transaction with your new credit card; however, you will need to register your card before you will be able to view your points activity.
You earn points everywhere your VISA® credit card is accepted. Participating retailers may offer additional reward points for purchases made at their stores or online.
Yes. The new address will be included on the statement. If you pay this bill through online bill payment, you will need to update the mailing address to P.O. Box 2711, Omaha, NE 68103-2711 on or after October 19, 2026 to ensure that your payment reaches the processor by your due date. Payments may also be mailed directly to your local Independence Bank branch.
