Consumer Credit Cards

Council Bluffs Savings Bank is committed to being your “Hometown Bank”. We are proud to serve the community of Council Bluffs and the surrounding area and we are especially proud to offer a truly unique “Hometown” credit card, a first of its kind for the Council Bluffs area. Please see the product details below and choose your method to apply for one of these exclusive Council Bluffs Savings Bank credit cards.

To pay your Council Bluffs Savings Bank credit card bill online - Click Here.

Product Offering
	Platinum and Platinum Rewards Card » 0% introductory rate for the first six months ** » No annual or balance transfer fees » Zero liability on unauthorized purchases * » Generous credit line » Online account access at www.managemycreditcard.com » Platinum benefits: travel accident insurance, auto rental collision damage waiver, etc. Platinum Rewards Program » Earn 1 point for every $1 in net purchases » Redeem points for merchandise, gift certificates or travel » Ability to "build your own rewards" » Track points at www.managemyrew.com	Cash Rewards Card » 0% introductory rate for the first six months *** » No annual or balance transfer fees » Zero liability on unauthorized purchases * » Generous credit line » Online account access at www.managemycreditcard.com Automatic Cash Back Rewards » No additional fee for Cash Back Rewards » Earn 1% cash back for every $1 in net purchases » Automatically receive a $50 check after every $5,000 in net purchases » No maximum
Intro Rate	0% for first six months on purchases and balance transfers	0% for first six months on purchases and balance transfers
Purchase and Balance Transfer APR	10.99% - 21.99% based on your credit worthiness. This APR will vary with the market based on the WSJ Prime Rate.	15.99% This APR will vary with the market based on the WSJ Prime Rate.
Cash Advances and Penalty APR	24.99%	24.99%
Cash Fee	4% or $5.00 whichever is greater	4% or $5.00 whichever is greater
Late or Returned Payment Fee	$35	$35
Additional Benefits	• $1,000,000 Travel accident insurance • Car rental insurance	• Automatic 1% Cash Reward; $50 check for $5000 purchases • Annual limit $1000 • No Annual Fee • Car Rental Insurance • $1,000,000 travel accident insurance

How to apply

Via phone at 866-274-2328

or

Stop in one of our convenient locations for an application.

Downtown Location
117 Pearl Street
Council Bluffs, IA 51503

Mall Location
1751 Madison Avenue
Council Bluffs, IA 51503

* Cardholder must meet these 3 conditions: 1. The cardholder must have exercised reasonable care in safeguarding his or her card from risk of loss or theft; 2. The cardholder must not have reported two or more incidents of unauthorized use within the preceding 12 months; 3. The account must be in good standing.

** Platinum:
Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate. As of 06/09, the WSJ Prime Rate is 3.25%. APRs are competitive and range from 7.24% to 16.24%. Variable APR is determined based on a review of the cardholder's application and credit history. Not everyone will qualify for the lowest rate. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of 06/09. Delinquency APR: 23.99%. Minimum finance charge: $1.00. Cash advance fee: $5.00 or 3.50% of the total dollar amount, whichever is greater.

*** Cash Rewards:
Upon qualification. Introductory rate is for the first six billing cycles and applies to purchases and balance transfers. After the introductory period, the APR will be variable. The APR for Purchases and Cash Advances is based on the WSJ Prime Rate plus a margin, and the rate is calculated monthly by adding the margin applicable to the account to the WSJ Prime Rate. As of 06/09, the WSJ Prime Rate is 3.25%. APR is a competitive 12.24%. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of 06/09. Delinquency APR: 23.99%. Minimum finance charge: $1.00. Cash advance fee: $5.00 or 3.50% of the total dollar amount, whichever is greater.

Foreign currency transaction fee: 3% of the U.S. dollar amount of each Foreign Transaction that posts to your account. See application for details.