Personal Credit Cards

We now offer three different Visa® cards, so you can pick the one that best fits your spending habits.

Platinum Visa®

  • Low APR
  • No annual fee
  • 0% intro APR1 on purchases2for the first 12†billing cycles
  • 0% intro APR1 on balance transfers for the first†12 billing cycles
  • Travel benefits, including travel accident insurance and auto rental collision damage waiver.

Platinum Rewards Visa®

  • 1 point for each $1 in purchases2 and balance transfers.
  • Earn 1,000 bonus points the first time you use your card.†††††††††††
  • No annual fee
  • 0% intro APR3 on purchases2 for the first†12 billing cycles
  • 0% intro APR3 on balance transfers for the first†12 billing cycles
  • Choose from over 1,000 rewards, including travel discounts and gift cards.4†††††††††††††††††††††

Cash Rewards Visa®

  • Get 1% cash back on purchases2 and balance transfers.
  • Earn a $10 bonus toward your first reward check the first time you use your card.
  • No annual fee
  • 0% intro APR3 on purchases2 for the first 12 billing cycles
  • 0% intro APR3 on balance transfers for the first 12†billing cycles

All our personal credit cards offer

How to Apply

To apply, visit any Surrey Bank location, call 1-866-274-2328, or apply online.

Platinum Visa®, Platinum Rewards Visa® and Cash Rewards Visa® Customer Service

Call 1-877-881-6018 or click here to report lost or stolen cards, make payments, check your balance and find the answers to other customer service questions.

To manage and redeem your Platinum Rewards Visa® points, click here.

Billing Address

Please send your†credit card payments to:

Card Center
PO Box 740846
Cincinnati, OH 45274-0846

Everyday Card Customer Service

If your credit card was converted to an "Everyday Card," please call 1-855-446-5189 with all customer service requests, including cancelling lost or stolen cards.

1 0% introductory Annual Percentage Rate for the first†12 billing cycles. After that,†variable APR from 10.99% to 21.99% based on your credit worthiness. This APR will vary with the market, based on WSJ Prime Rate.†We may end your introductory APR for purchases and balance transfers and apply the APR in effect or the penalty APR if you make a late payment, exceed your account credit limit, make a payment that is returned or use a convenience check that is not honored.

² Purchases are defined as the dollar value of goods and service purchased with the Card, minus any credits, returns or other adjustments as reflected on the monthly statements. Purchases do not include annual fees, late payment fees, over-limit fees, insurance charges, card-related services charges, Finance Charges, or other fees and/or unauthorized charges. Purchases also do not include Cash Advances, PIN-based transactions, balance transfers, Convenience Checks, person-to-person money transfers, quasi-cash transactions (including the purchase of travelerís checks, foreign currency, or money orders), truck stop transactions, gaming transactions or currency purchases.

3†0% introductory Annual Percentage Rate for the first 12 billing cycles. After that, variable APR from 12.99% to 21.99% based on your credit worthiness. This APR will vary with the market, based on WSJ Prime Rate. We may end your introductory APR for purchases and balance transfers and apply the APR in effect or the penalty APR if you make a late payment, exceed your account credit limit, make a payment that is returned or use a convenience check that is not honored.

4 Available prizes and point levels are subject to change without notice. Sample listing only. Full program details will be provided after your account is opened. Subject to credit review and approval.