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Personal Debit/Credit Cards

Two simple cards, unlimited possibilities

Selecting the right card shouldn't be complicated. That's why we offer two simple options designed around your preferences, whatever they are. Just right for you and full of possibilities.

St. Johns Bank MasterCard® Credit Card

Our credit card is different

It gives you the world-wide acceptance you get from the big, national, credit card companies, with the convenience of being from your bank...the people you already know and trust.

  • No annual fees
  • Competitive interest rate
  • Our FREE rewards program earns you rewards points for vacations, cash back1, brand name merchandise and gift cards, with every dollar spent
  • Automatic interest rate reduction when you qualify (unless you already have our best rate)
  • Free Identity Theft Resolution Services2
  • Earn additional bonus points with special Rewards promotions throughout the year
  • 24/7 online account access and customer service assistance
  • Choose your preferred due date
  • Instant access to cash at ATMs 24/7 world-wide
  • Free $250,000 Common Carrier Travel Accident Insurance3
  • Apply online or view your account.
  • Call 1-800-445-9272 for MasterCard account information.

1Cash back received in the form of a statement credit.
2See complete MasterCard Guide to Benefits for details.
3Not a deposit. Not FDIC insured. Not insured by any federal government agency. Not guaranteed by the bank or any of its affiliates. May go down in value.

Our Visa Debit Card is accepted anywhere you see the Visa logo.

The card gives you 24-hour access to your account via ATMs anywhere, anytime.

Additional benefits include:

Purchase Security and Extended Protection*
With Purchase Security, eligible business purchases, up to $10,000, are protected from loss, theft, fire or damage for the first 90 days after the date of purchase. Extended Protection doubles the time period of the original Product manufacturer's written U.S. repair warranty up to one full year on warranties of three years or less.

Auto Rental Collision Damage Waiver*
Rent a car with your card, knowing you're covered for damage due to collision or theft ... at no additional cost.

Travel and Emergency Assistance Services*
From lost luggage assistance and translation services to legal and medical referrals, 24-hour emergency help is as close as the nearest phone ... no matter where in the world you are.

Emergency Cash Disbursement and Card Replacement*
All it takes is a toll-free or collect phone call and your lost card or cash can be replaced ... 24 hours a day, seven days a week ... anywhere in the world.

Lost and Stolen Card Reporting*
Reporting a lost or stolen card is as simple as calling Visa Customer Service toll-free or collect. A Visa representative will be at your service, ready to help notify the appropriate parties and replace your card.

Cardholder Inquiry Service
Help is a phone call away, no matter where you are. Also known as "Visa-911," this service offers 24/7 emergency services and customer support in 25 languages to cardholders worldwide.

Zero Liability**
It's simple ... you're always protected from unauthorized use of your card or account information, including transactions made via telephone or on the Internet. If your card is ever lost or stolen, your liability for fraudulent charges is $0. You pay nothing.

*Certain terms, restrictions, conditions and limitations apply. See the Visa Personal Check Card or Credit Card Guide for complete details.
**Visa's Zero Liability Policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details.