FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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.
Begin the application process
To begin the application process, please select the appropriate link below:
Independence Bank Visa® Credit Card Application Menu
We are excited to offer our new Credit Card App which will allow our customers to easily manage almost every aspect of their IB Credit Card right from the App.
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
Once you receive your credit card, signing up for online access provides 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.
Contact us for more information about the IB Visa® Credit Card.
Account inquiries and payments can be made at Independence Bank or online at MyCard Statement.
Take a look at more information by clicking the button below on the IB Visa® Credit Card Terms & Conditions page.
Reward Yourself!
Independence Bank Visa® Credit Cards Now Offer ScoreCard Rewards
ScoreCard Rewards feature:
- No Annual Fee
- Earn one point per net dollar spent
- Redeem points for statement credit, merchandise, travel and more!
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
Coming Soon:
New Visa® Credit Card Products
Independence Bank is excited to announce improvements to our credit card program, including enhanced security with the new EMV chip, online access to view your account, a new credit card design and eletronic statement availability. This will mean a few changes to your account, and we want to make sure you know exactly what's happening.
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.
