Credit Cards

Make shopping trips a whole lot simpler with a Visa® or Mastercard® credit card from St. Martin Bank. A credit card boosts your purchasing power, so you don’t have to worry about digging into savings or overdrawing your checking account. Your money is right in the palm of your hand — no matter where you are in the world!

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  • Competitively low interest rates
  • Accepted worldwide — in stores and online
  • Choose from Visa and Mastercard options
  • Receive statements online
  • Every St. Martin Bank credit card includes:
    • 90-Day Product Protection
    • Extended Warranty
    • Price Guaranty
    • $1,000 Identity Theft Insurance and Identity Theft Victim Assistance
    • Scorecard reward bonus points
    • Plus other great benefits

Access your credit card account anytime, anywhere at

Scorecard Rewards

Get points for every $1 you spend — and redeem them for exciting prizes, like an Amazon® gift card! 

Scorecard® Rewards bonus points are earned on every net retail, signature-based purchase using your credit card. Log in to for more information.

Review our Scorecard Rewards Customer User Guide.

Mastercard Secure Code

Add peace of mind to your online shopping experience — for free! Mastercard Secure Code gives you a personal code to be used when you shop online so that your personal debit card information stays safe. Register today to get started!

Verified by Visa

Get better security for you and your credit card when you make purchases online. Verified by Visa works while you're shopping to ensure that you're the only one using your card online. At times, you may be prompted to fill out some verification information before you complete your purchase — this is just an extra layer of security provided by Visa.

For more information, visit the Verified by Visa site.  


Enjoy enhanced fraud protection.
Every debit or credit card we issue now comes equipped with an EMV chip. Instead of swiping your card at the cash register, you can now insert your card at an EMV chip-enabled terminal. This generates unique transaction data for each purchase you make, making purchases that utilize this technology very secure.

How to use EMV chip technology:
When making a purchase, you’ll be prompted to insert your card into the store’s EMV chip terminal (which can be found at the bottom-front of the terminal).

  1. Insert your card face up, chip first. Leave your card in the terminal until the transaction is finished.
  2. Enter your PIN or sign the receipt, as you would with any other debit or credit card transaction.

You can still swipe your card using the magnetic stripe.
If a merchant does not accept EMV chip payments, your chip-enabled debit or credit card can still be used by swiping the magnetic stripe. Be aware, however, that you won’t enjoy the enhanced security of the EMV chip card by swiping it. It’s always more secure to use the EMV chip to make purchases.

Learn more about EMV chip technology.