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Credit Cards

Rewards on Every Purchase

Earn cash back, travel miles, or premium rewards on the things you buy every day. With Preferred Rewards, earn up to 75% more on your credit card rewards.

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Preferred Rewards

Enroll in Preferred Rewards and earn 25%–75% more cash back on every purchase. Gold members earn 25% more, Platinum 50% more, and Platinum Honors 75% more — no annual fee on select cards.

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Find the Card That Fits You

All cards come with 24/7 fraud monitoring, Zero Liability protection, and access to your FICO® Score for free.

No Annual Fee
Federal Crown Bank® Customized Cash Rewards Credit Card
3%
Cash back in your chosen category
3% cash back in the category of your choice: gas/EV charging, online shopping, dining, travel, drug stores, or home improvement/furnishings
2% cash back at grocery stores & wholesale clubs
1% cash back on all other purchases
$200 online cash rewards bonus after $1,000 in purchases within first 90 days
0% intro APR for first 15 billing cycles on purchases, then 17.49%–27.49% Variable APR
Preferred Rewards bonus: earn 25%–75% more cash back
$0 annual fee
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Federal Crown Bank® Premium Rewards® Credit Card
2x
Points on travel & dining
2 points per $1 on travel and dining purchases
1.5 points per $1 on all other purchases
60,000 online bonus points (a $600 value) after $4,000 in purchases in first 90 days
Up to $100 airline incidental fee credits annually
$100 credit toward Global Entry or TSA PreCheck enrollment
20.49%–27.49% Variable APR
$95 annual fee
Apply Now
Simplest Rewards
Federal Crown Bank® Unlimited Cash Rewards Credit Card
1.5%
Unlimited cash back on every purchase
Unlimited 1.5% cash back on all purchases — no rotating categories
$200 online cash rewards bonus after $1,000 in purchases in first 90 days
0% intro APR for first 15 billing cycles on purchases and balance transfers, then 17.49%–27.49% Variable APR
Boost to 2.625% cash back with Preferred Rewards Platinum Honors
$0 annual fee
Apply Now
0% Intro APR for 18 Billing Cycles
BankAmericard® credit card
0%
Intro APR on purchases & balance transfers
0% intro APR for 18 billing cycles on purchases and on balance transfers made within the first 60 days
After intro period: 15.49%–25.49% Variable APR — one of FCB's lowest ongoing rates
No penalty APR — your rate won't increase due to a late payment
Pay off high-interest debt faster and save on interest charges
$0 annual fee
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Maximize Your Rewards

Preferred Rewards Members Earn More

Maintain qualifying balances across your Federal Crown Bank and Merrill accounts to unlock a rewards bonus on your eligible credit cards — automatically applied every month.

Gold
$20,000–$49,999 in qualifying balances
+25% rewards bonus

Example: 1.5% cash back card earns 1.875%

Platinum
$50,000–$99,999 in qualifying balances
+50% rewards bonus

Example: 1.5% cash back card earns 2.25%

Platinum Honors
$100,000+ in qualifying balances
+75% rewards bonus

Example: 1.5% cash back card earns 2.625%

Qualifying balances include eligible Federal Crown Bank deposit accounts and Merrill investment accounts. Rewards bonus applied to base earn rate each billing cycle.

Cardholder Benefits

Included with Every Card

Zero Liability Protection

You won't be held responsible for any unauthorized charges made on your card, online or in store.

Free FICO® Score

Check your credit score anytime in the mobile app or online at no cost. Updated monthly.

Real-Time Alerts

Get notified instantly for every transaction, potential fraud, or when your statement is ready.

Find Your Perfect Credit Card

Applying takes just minutes and won't impact your credit score to check offers.

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