IB Visa® Credit Card
Explore our business and personal credit card options and compare rates, rewards and annual fees to find the card that fits your needs.
Choose the everyday card or rewards option that best fits your spending. Access your personal credit card in IB On-Line Banking or Mobile App.
*Independence Premium annual fee may be waived if spending exceeds $15,000 in the previous 12 months.
Independence Freedom
A simple option for everyday purchases with no annual fee.
Annual Fee
$0
Fixed APR
12.48%
Rewards
1x
Earn 1 point per $1 spent.
Independence Premium
Earn additional points on fuel and hotel purchases.
Annual Fee
$100*
Fixed APR
16.48%
Fuel and Hotel
2x
Earn 2 points per $1 on fuel and hotel purchases and 1 point per $1 on all other purchases.
Commercial/Business Visa® Credit Cards
Options for everyday business purchases, travel rewards and eligible company spending. Contact your local branch to get started or learn more.
*Business Premium annual fee may be waived if spending exceeds $50,000 in the previous 12 months.
Independence Business
A straightforward option for everyday business spending.
Annual Fee
$0
Fixed APR
14.48%
Rewards
1x
Earn 1 point per $1 spent.
Independence Business Premium
Extra rewards on fuel and hotel purchases.
Annual Fee
$250*
Fixed APR
16.48%
Fuel and Hotel
2x
Earn 2 points per $1 on fuel and hotel purchases and 1.5 points per $1 on all other purchases.
Compare Visa® Card Features
Review the main features side by side.
Business | Business Premium | Freedom | Consumer Premium | |
Fixed APR | 14.48% | 16.48% | 12.48% | 16.48% |
Annual Fee | $0 | $250* | $0 | $100* |
Rewards on other purchases | 1 point per $1 | 1.5 points per $1 | 1 point per $1 | 1 point per $1 |
Fuel and Hotel Purchases | 1 point per $1 | 2 points per $1 | 1 point per $1 | 2 points per $1 |
*Business Premium annual fee may be waived if spending exceeds $50,000 in the previous 12 months.
*Independence Premium annual fee may be waived if spending exceeds $15,000 in the previous 12 months.
Rates, Fees & Important Information
Open a section below to review additional card terms and fees.
- Penalty APR: 24.98% after two late payments
- The penalty APR will revert after six months of on-time payments
- Cash advance APR: 24.98%
- Metal card replacement fee: $50
- Plastic card replacement fee: $15
- One free replacement per year
- Cash advance fee: greater of $10 or 5%
- Balance transfer fee: greater of $10 or 5%
- Late fee: $30 after 3 calendar days
- International transaction fee: 1%
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NSF returned payment fee: $30
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Additional rewards promotions may be offered from time to time
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Business Premium annual fee waiver: spending exceeds $50,000 in the previous 12 months
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Consumer Premium annual fee waiver: spending exceeds $15,000 in the previous 12 months
IB Consumer Mobile App
With our recent upgrade, you will now be able to access your consumer credit cards on our On-Line Banking and IB Mobile App with your debit cards. SecurLock will no longer have access to your IB Credit Cards.
Features include:
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Ability to turn your card on and off
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Controls and alerts based on transaction and merchant types, location, and spend limits
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View latest transactions
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Review your account summary
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View statements
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Make payments
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Generate a report on spending
Spendtrack for Business
- 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.)
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View & Redeem uChoose Rewards®
Lost or Stolen Card
Customer Service:
Call 800.448.3207 or visit your local Independence Bank branch.
For more information, click the button below for the IB Visa® Credit Card Terms & Conditions page.
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.
