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. 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.

Product Offering
	Platinum 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 mcrewards.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 APR	Prime + 1.99% Prime + 3.99% Prime + 6.99% Prime + 8.99% Prime + 12.99%	Prime + 8.99%
Cash APR	Prime + 10.99% Floor of 19.99%	Prime + 10.99% Floor of 19.99%
Cash Fee	3.5% or $5.00	3.5% or $5.00
Nuisance Fees - Late, Overlimit, NSF	$35	$35
Additional Benefits	• $1,000,000 Travel accident insurance • Car rental insurance • Optional Rewards Program - $19 – one time enrollment fee	• Automatic 1% Cash Reward; $50 check for $5000 purchases • Annual limit $1000 • No Annual Fee • Car Rental Insurance • $1,000,000 travel accident insurance

3 ways to apply

Internet - Use the APPLY NOW button above
Phone - Call 866.274.2328
Mail or Fax - Stop in one of our convenient locations for an application or Click Here to download the application in .pdf format. Once completed you can mail the application to:
Card Center, MD 1MOB1N
387 Fountain Square Plaza
Cincinnati, OH 45273-9276

or fax it to:
513-358-3485

* 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 05/01/08, the WSJ Prime Rate is 5.25%. APRs are competitive and range from 7.24% to 18.24%. 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 05/01/08. 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 05/01/08, the WSJ Prime Rate is 5.25%. APR is a competitive 14.24%. Cash Advance APR: 19.99% minimum; 24.99% maximum. 19.99% APR as of 05/01/08. 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.