Personal Credit Cards

Personal Credit Cards

Get the flexibility you want and the money you need. We offer two great credit cards, boosted with benefits to fit your lifestyle. Our partnership with VISA provides added perks like online access and e-statements, with the same benefits of local service with 24/7 support and local credit card decision making

HomeTown
Gold
Visa

  • A classic card with a competitive interest rate for those looking to build credit
  • Classic Visa Credit Card
  • No Annual Fee
  • Competitive Interest Rates
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HomeTown SmartRate Elite Visa

  • A competitive credit card for customers who may carry a balance.
  • Platinum Visa Credit Card
  • No Annual Fee
  • Lowest Available Interest Rate
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HomeTown Cash Rewards Elite Visa

  • For customers who pay their balance each month and are looking for cash rewards.
  • Platinum Visa Credit Card
  • No Annual Fee
  • Earn 1% Cash Back for Every Dollar Spent. No Limits!
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Our Introductory Offer

0% fixed introductory APR on purchases for six billing periods. Variable APR after that. (Platinum APR is currently 10.24% – 11.24% and Classic APR is currently 15.24%)

3.99% fixed introductory APR on balance transfers for six billing periods from date of transfer. Variable APR after that. (Platinum APR is currently 10.24% – 11.24% and Classic APR is currently 15.24%)

Visa Checkout

Online purchases just got more convenient. When you set up your HomeTown Bank credit or debit card, to Visa Checkout, you can securely autofill payment details to simplify online check out when you see "Visa Checkout" button displayed. Plus, you can receive special deals from Visa Checkout retailers.

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Secure EMV Chip Technology

Tiny chip, big protection. The latest security technology embeds a microchip into your card to store and protect your consumer data, keeping you shielded from identity theft.

Visa Purchase Alerts

Get real-time alerts any time your card is swiped. It's simple to set up alerts for when a purchase is made outside the country, on the internet, or when you reach a purchase amount threshold. That way, you can keep track of your spending and know if there's a fraudulent charge as soon as it happens.

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Convenient Payment Options

Pay your balance in person at any of our locations, online through our online credit card platform or connect it to your HomeTown Bank accounts to schedule them regularly.