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RewardsFirst Mastercard®

For the clean slate spender.

Perfect for those who like to take care of their balances each month, a locally serviced RewardsFirst credit card where you earn one point for every dollar spent.

Redeem points for:

Convert your points to cash! Deposit quickly into checking or savings, or conveniently apply it to your credit card balance.
  • $100 cash back for 15,000 points.

Choose from flights, car rentals, hotels, cruises, vacations and experiences.

  • $100 off any airline flight for 8,000 points.

Score big with laptops, tablets, decor, gifts and more.


Choose from 29 leading restaurants, retailers and more.

  • $100 gift card for 10,000 points
  • $50 gift card for 5,000 points
  • $25 gift card for 3,000 points

Give to a local or national charity of your choice using the Charity Choice Network.

Plus, a range of other benefits:

  • No annual fee.
  • No balance transfer fees.
  • No penalty APRs for late payments.
  • A rate as low as 15.40% APR.
  • Same great rate for purchases AND cash advances.
  • Check your transactions and balance online anytime using Verve’s online banking.
  • Make payments using bill pay, automatic payments from your checking account, or at any of our convenient locations.
  • Have peace of mind knowing your card is monitored for unauthorized usage with Omni Shield.
Apply Now

APR = Annual Percentage Rate and is current as of 08/01/2023. Variable APR determined by adding a margin to the Prime rate and ranges from 15.40% – 24.40%. Margin is based on individual creditworthiness and may change in future after periodic credit reviews. Credit card rates, terms, conditions and instant approval based on credit qualifications, account relationship and approval. Unredeemed rewards points expire 36 months after transaction date. Rates, terms, and conditions are subject to change. Membership eligibility required.

View the MasterCard Rate/Reward Credit Card Disclosure and Agreement.