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Use your Cash Back Rewards how you like:

  • Deposit into your checking account
  • Have your rewards go towards your next credit card bill
  • Redeem for a wide variety of gift cards
  • Book your next flight

0% APR

for the first 12 months from the date of account opening on purchases and balance transfers.1

17.75% APR

variable APR after intro period.1

Cash Benefits: 



Cash Back Rewards
on gas and groceries for your first $20,000 combined net spend annually.2



Cash Back Rewards
on all other net qualifying purchases.2



No Annual Fee1

Choose from one of our unique designs:

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Credit Card Cardholder Agreement

ScoreCard Rewards Terms and Conditions

1Pricing and Terms

2 3% Cash Back Rewards on the first $20,000 combined net spend annually between gas and groceries. Spend over this amount will receive 1% Cash Back Rewards on net purchases. Points can be redeemed for a credit to your credit card account or deposit account held at a domestic United States Financial Institution. Minimum point redemption amount applies. Review the program’s terms and conditions at or call ScoreCard Customer Service at 1-800-854-0790. The program’s rules can change at any time without notice. Void where prohibited or restricted by law.

Credit Cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services. Normal Underwriting guidelines apply.

Visa Signature is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa U.S.A., Inc.

Existing Credit Card Customers: To request your personal Credit Card Cardholder Agreement, please call us at 877.346.1418 or email us at