All Capitol Bank VISA® Card Features
- Flexibility – Make purchases, pay bills or get cash
- Affordability – Low interest rates and low or no annual fees
- Convenience – Visa is accepted worldwide
- Security – Multiple layers of protection for you and your money
- Access – View your account online anytime, day or night
Through our partnership with Bankers’ Bank we offer three consumer credit card plans, as listed below. Starting in 2022, we’ll be able to offer 3 new VISA credit cards for mobile payments, rewards and cash rewards! Contact a Capitol Banker if interested.
| Visa® Classic | Visa® Classic Plus | Visa® Gold | |
|---|---|---|---|
| Annual Percentage Rate (APR) for purchases, balance transfers and cash advances | 15.99% | 15.99% | 15.99% |
| Annual Fee | None | $29.00 (waived the first year) | $49.00 (waived the first year) |
| ScoreCard Points - travel and gift awards | None | Yes* | Yes* |
| Due date is at least 25 days after the close of each billing cycle* | Yes | Yes | Yes |
| 2% or $20.00 minimum payment | Yes | Yes | Yes |
| Late Fee | Up to $20.00 | Up to $20.00 | Up to $20.00 |
| Over Limit Fee | None | None | None |
| Up to a 1% fee will be assessed on foreign transactions | Yes | Yes | Yes |
| Internet access to account information (www.mycardstatement.com) | Yes | Yes | Yes |
| Balance Transfers | Yes | Yes | Yes |
| Minimum Annual Income | None | None | None |
| Minimum Credit Line | None | None | $2,000.00 |
| Fee on Cash Advances - 2% of advance with a $5.00 min. and $25.00 max. | Yes | Yes | Yes |
| Free Travel Accident Insurance | Yes $150,000.00 | Yes $150,000.00 | Yes $150,000.00 |
| Free Auto Rental Insurance | Yes | Yes | Yes |
| Free Warranty Manager Service | None | None | Yes |
| Free Travel and Emergency Assistance | None | None | Yes |
| Apply now for Visa® Classic card | Apply now for Visa® Classic Plus card | Apply now for Visa® Gold card |
*Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Account Questions or Travel Notification?
Contact The Community BankCard Department at Bankers’ Bank with account inquiries (balance, transactions, etc.) during weekday business hours (M-F 8:00 – 5:00).
1-877-636-7244
You can also contact FIS (Fidelity Information Services), our processor based in Florida, for customer service 24/7/365.
Customer Service: 1-800-423-7503
Security Lost/Stolen: 1-800-325-3678
Fraud: 1-800-854-1557
Dispute: 1-800-906-0005
*ScoreCard Points
Every dollar a cardholder charges earns them one ScorePoint. Points may be redeemed for travel or gift awards. ScorePoints accumulated, but not redeemed, will expire after three years. Balance transfers do NOT earn points.
ScoreCard Information: 1-800-854-0790
