Credit Cards

EMV® Chip and Signature Cards

Learn more about EMV and the benefits

General EMV FAQs

Using Chip Cards FAQs

Chip Card Security FAQs

IBT Platinum Card

What card is right for you?

0% Intro APR for purchases and balance transfers for the first 12 billing cycles2.
Points are worth 25% more when redeemed for air travel. The Visa Signature® card offers all the benefits and features of the Visa® Platinum card, plus additional benefits and a generous credit limit.

0% Intro APR for purchases and balance transfers for the first 12 billing cycles2.
The Visa® Platinum is available to individuals with above average credit history, who are looking for extra spending power.

The Visa® Secured card can help you establish or build credit, while offering the convenience and same great benefits as the Visa® Platinum card.

No annual fee 2 , better rewards, great rates

Better rewards
Redeem your Savvy™ Rewards points for a wide array of merchandise, travel experiences, gift cards, charitable donations, or have cash deposited directly into your account! The Savvy™ Rewards program offers you more flexibility, more choices, more of what you want.

Travel accident insurance
We protect you with $1,000,000 in travel accident insurance on all travel tickets purchased with your credit card, and offer travel and emergency services 3 .

Low variable rate
The interest rates on our credit cards are likely much lower than the rates of many of the credit cards you are presently using.

VISA® secured with layers of protection

Verified by Visa
Shop online with extra security. Visa confirms your identity with an extra password for each online transaction. Activate Your Card

Visa’s zero liability
You won’t be held responsible for fraudulent charges made with your card or account information. 4

Fraud detection
Our fraud detection system prevents loss and identity theft by using trends and global payment-card usage patterns, along with your transaction history, spending patterns and behaviors to protect your account’s safety.

Visa Checkout
The easier and more convenient way to pay online. Now you can speed through checkout using a single login, wherever you see the Visa Checkout button.

Online management tools
You have online access to your credit card account to get transaction history, statements, make payments, or set up eAlerts. You can even download your transaction history into popular financial software to manage your spending and prepare your taxes, just by going to .

Savvy Rewards Logo

Choose the Illinois Bank & Trust VISA® Credit Card and enjoy convenience and benefits:

  • Earn 1 Savvy™ Rewards 5 point for every $1 of purchases with your cards.
  • Earn additional rewards points when shopping online at our rewards site.
  • Book travel rewards easily with our online booking tool powered by Orbitz®.
  • No travel blackout dates.
  • For additional Savvy™ Rewards information, go to .

Platinum and Signature
Credit Card Application
Secured Platinum
Credit Card Application

To get started, complete the application and bring it in to your nearest banking center.

1 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.
2 See Credit Disclosures for applicable rates, charges, fees, and account terms and conditions. Platinum and Signature Credit Card Disclosure . Secured Platinum Credit Card Disclosure .
3 Emergency card replacement, emergency cash disbursement, lost and stolen card reporting, cardholder inquiry service.
4 You must notify us immediately of any unauthorized use. 5 The following do not earn points: balance transfers, cash advances, convenience checks, fees, interest, or payments.

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

Platinum and Signature Credit Card Cardholder Agreement
Consumer Secured Platinum Credit Card Cardholder Agreement