Personal Credit Cards

Need Assistance?

Contact us at 866-462-2265 to find out how
Merchant Services of Citizens Bank of Kentucky
can benefit you.

Credit Card Account Login

Personal Credit Cards*

We make it easy to choose the credit card that is right for you – Low Rate or Preferred Points Rewards. It’s the only card you need for everything you do.

Low – rate Card 

Features

• Low introductory rate for the first six months.¹
• Competitive ongoing APR.¹
• 25-day grace period on all purchases. No grace period on cash advances

Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

Personal Card – World / Preferred Points Rewards

The Preferred Points Credit Card is everything you need in one convenient card.  Low Introductory Rate. Exceptional features and benefits. Earn points for each dollar you spend and redeem any time for cash back, travel, gift cards, merchandise and more!

Features

• Earn points that you can redeem for rewards. Earn on point for each dollar spent, up to 10,000 points per month.
• Low introductory rate for first six months.¹
• Competitive ongoing APR.¹
• 25-day grace period on all purchases. No grace period on cash advances.

Benefits

• Redeem your rewards points for cash-back awards, retail gift cards, travel² and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
• To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

To Apply

• Apply Online or Fill out the downloadable application electronically or by hand.
• Bring into a branch near you.

*Loans are subject to credit approval.

Subject to additional terms and conditions.

1. Please see application and “Rate, Charges, Fees and Terms of Conditions” for additional information about the Annual Percentage Rate (APR) and Introductory Rate.
2. Not a deposit; Not FDIC Insured; Not insured by any government agency; not guaranteed by the Bank.