Personal Credit Cards

With so many different credit card options available, choosing the best one for you can seem daunting at first. Fortunately, our friendly banking professionals at Carter Bank & Trust are here to help. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you.


credit card login

Credit Card Features and Benefits

Some of the most important factors when choosing a credit card are the features, rewards, and benefits you’ll receive when using them. No matter which one of our credit cards you choose, you’ll enjoy important features such as:

  • Convenient and flexible purchasing power accepted at millions of locations worldwide.
  • Mobile purchasing capabilities such as Apply Pay and Google Pay for added convenience.
  • Zero Fraud Liability* so you won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24/7 to assist with fraud, disputes, and other issues.
  • And more!


Apply Now

Frequently Asked Questions About Credit Cards

Q: How do credit cards work?

A: When you use a credit card for a purchase, you are using money borrowed from the bank. Each credit card has a spending limit and you are required to eventually pay back the money you borrowed through monthly payments. Credit cards are often used to build credit history, increase access to better loans, and earn rewards.


Q: What does APR mean on a credit card?

A: APR stands for annual percentage rate and is the annual cost of borrowing money with a credit card. It’s an added cost or interest rate if you don’t pay off your purchases within the indicated grace period.


Q: How do you calculate credit card interest?

A: You can calculate your credit card interest and determine your repayment goals using this handy Credit Card Pay Off Calculator**.

Get the Most Out of Your Credit Card With Carter Bank

Whether you are a first-timer looking to build your credit or just want to take advantage of points and cash back, Carter Bank & Trust has the credit card for you. Not sure which one is best for you? Visit a branch near you and our friendly banking professionals will be happy to help. Ready to get started? Apply for your Carter Bank credit card today!

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from VISA U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The calculators on our website are provided for informational purposes only. Carter Bank & Trust and its affiliates disclaim any warranties, endorsement or representation, express or implied, related to these resources.