Illinois Bank & Trust
Visa® Secured Credit Card

The Visa Secured Card helps establish and build credit, while still earning rewards with no annual fee. Minimum limit $500.

1%
Cash Back Rewards
for each $1 spent.1

18.75% APR
Variable APR2

Click "Apply Now" to print the application. Submit completed application in "Messages" via Online Banking.

Apply Now

2Pricing and Terms

Secured by savings account or certificate of deposit

Use your Cash Back Rewards how you like:

  • Deposit into your checking account
  • Have your rewards go towards your next credit card bill
  • Redeem for a wide variety of gift cards
  • Book your next flight

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Credit Card Cardholder Agreement

Savvy Rewards Terms and Conditions

1Cash Back Rewards are the rewards earned under the program. They are tracked as points and for each $1 spent on a purchase, one (1) Cash Back Reward point is earned, which qualifies for $0.01 for redemption. You earn Cash Back Rewards on all qualifying purchases. The following do not earn points: balance transfers, cash advances, convenience checks, fees, interest or payments. You may review the full Terms & Conditions of the Cash Back Reward’s program at our rewards site: savvy-rewards.com.

Visa Signature is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa U.S.A., Inc.

Existing Credit Card Customers: To request your personal Credit Card Cardholder Agreement, please call us at 877.346.1418 or email us at cardservicessupport@htlf.com.

Credit cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services. Normal Underwriting guidelines apply.