Credit Cards

A variety of options to meet your needs:

Sb1 provides four great Credit Card options for your needs. Our Gold and Platinum Visa® card feature rewards programs and our lowest rates.

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1.99% APR* Introductory Rate for 6 months!

  • No annual or balance transfer fees
  • Low, Fixed APR*
  • No cash advance fees
  • Travel and Gift rewards or Cash Back.

*APR = Annual Percentage Rate. On SB1 Visa Classic, Gold and Platinum cards, for an introductory period of 6 billing cycles after you receive your credit card, the Annual Percentage Rate for purchase and balance transfer will be a lower rate than the permanent Annual Percentage Rate. After the introductory period, the permanent Annual Percentage Rate will apply to all purchase and balance transfers.

Visa ScoreCard Rewards programs:

Earn cash and prizes with ScoreCard rewards!

View the merchandise you could earn with ScoreCard Rewards >>

The Visa Gold Card allows you to earn points with every purchase that can be used towards travel and gift rewards catalog items. With our Householding feature you can link multiple accounts for purposes of combining and redeeming Bonus Points!

Our Visa Platinum Card reward program doesn't offer points, it offers cash. Unlike other Credit Card cash back programs that only offer certain percentages for certain restricted purchases, our card allows you to earn 1% cash back on all your purchases throughout the year.

Payments are typically paid in April for the entire year. Depending on how heavily you use your Credit Card, the amount can really add up fast.

Standard Credit Card options:

We offer two other cards that have a whole lot to offer. Our Classic Visa Credit Card provides you with access to affordable credit without many of the fees that other processers charge.

If you've never had a credit card before or if you're trying to re-establish your credit our Secured Visa Credit Card is a good option for you to consider. It provides a fixed APR with no application fee and your secured deposit will earn interest.

International travelers: If you have a lost or stolen Sb1 Visa while out of the country and are not able to access the 800 number on the back of your Sb1 Visa card, please use the International Lost/Stolen hotline number 1-410-581-9994.


Sb1 offers four types of Visa Credit Cards to meet your needs:

Visa Gold Credit Card

  • No Annual Fee
  • No Balance Transfer Fees
  • No Cash Advance Fees
  • Free Extended Warranty Protection
  • Free Car Rental Insurance
  • $500,000 Travel and Accident Insurance
  • ScoreCard- Purchases Earn Points For Gifts and Travel Rewards

In addition to all of these features, this card also includes all of the benefits offered with our Classic Card!



Visa Platinum Preferred Credit Card

  •  No Annual Fee
  • 1% Cash Back Rewards for every dollar you purchase on the card
  • Free Concierge Service
  • Credit Limits to $50,000
  • $1,000,000 Travel and Accident Insurance

In addition, the Visa Platinum Card also includes many of the benefits of the Gold Card (excluding ScoreCard)!



Visa Classic Credit Card

  •  No Annual Fee
  • Low Fixed A.P.R.
  • No Monthly Balance Payoff Fee
  • No Cash Advance Fees
  • No Balance Transfer Fees
  • Convenient Payment Methods
  • Consolidation of Other Credit Cards



Visa Secured Credit Card

  • For the student just starting out or those who've had financial difficulty in the past, Sb1's Secured Visa Credit Card is ideal. The credit limit is secured with a Sb1 Savings Account balance.
  • No Application Fee
  • $25.00 Annual Fee
  • Secured deposit earns interest
  • Card issuance subject to approval