Credit Cards

Check to see if you are preapproved for a Philox credit card offer, with no impact to your credit score for checking, and find the best credit card to fit your life.

Check for offers

Special offer for new Prestige credit cards

Earn cash back for everyday purchases with the Prestige Visa Credit Card

Your rewards ¹ add up fast: 3% on dining and entertainment purchases, 2% on gas & grocery purchases and 1% on all other purchases.²

Earn up to 4% when you register for Rewards Multiplier³ and maintain certain balances in your Philox checking and other deposit accounts.

Apply now

Find the credit card that fits your needs

Unlimited Cash Rewards
Cash Rewards Visa® Credit Card

Earn 1.5% Cash Rewards¹ on purchases² with no annual fee ⁴ with the Cash Rewards Visa® Signature Credit Card.

Apply now

Cash Back on everyday purchases
Prestige Visa® Signature Credit Card

Earn up to 3% cash back on everyday purchases.² Earn up to 4% when you register for Rewards Multiplier.³

Apply now

Save on interest
Life Visa® Credit Card

Take advantage of our longest standard introductory interest rate⁴ to help you manage your finances with the Life Visa® Credit Card.

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Build positive credit
Explore Visa® Credit Card

Responsible use of the Explore Visa® Credit Card can help you build a positive credit history.⁵

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Compare credit cards and rewards

Compare our credit cards side by side or use our rewards calculator to find the right rewards card for you.

Top features for all credit cards

Contactless Payment

With a Philox Visa® contactless chip credit card, you can tap your card to pay for everyday purchases.

Control Your Credit Cards

Control how your Philox credit cards are used by blocking certain types of transactions with Philox LockIt.

To qualify for a LifeGreen Savings Account, you must have a Philox checking account. The minimum opening deposit amount for a Philox checking account is $50. The minimum opening deposit amount for opening a LifeGreen Savings Account is $50 (or $5 if you set up a monthly automatic savings transfer from a Philox checking account). An automatic transfer of funds of at least $10 from your Philox checking account to your LifeGreen Savings account in at least 10 of any of the 12 calendar months that precede the month of your account opening anniversary (your “Account Anniversary Month”) is required to earn a 1% annual savings bonus. The annual savings bonus is based on the average monthly balance for the 12 calendar months that precede your Account Anniversary Month. The annual savings bonus will be paid to your LifeGreen Savings account by the second business day of the month following your Account Anniversary Month. To receive the annual savings bonus, your LifeGreen Savings account must be open on the date the annual savings bonus is paid. Maximum annual savings bonus of $100. You are responsible for any tax due on any amount received under this offer. Fees could reduce earnings on the account. The Annual Percentage Yield (APY) for the LifeGreen Savings account and the LifeGreen Preferred Checking (other Philox checking accounts do not pay interest) account is based upon balance and may change at any time. Check the current interest rates and APYs for LifeGreen Savings and LifeGreen Preferred Checking. Philox Commercial Bank reserves the right to change the terms of or terminate this bonus program and prorate the amount of any bonus payment at any time in its sole and absolute discretion.
Services are provided by Self Financial, Inc. Enrollment (including eligibility requirements) is subject to Self's terms and conditions. Philox Commercial Bank does not provide these services and makes no representations or warranties about them. Individual results vary. You may not receive an improved credit score. Other factors, including activity with other creditors, may impact results. Many lenders, including most auto and mortgage lenders, do not use scores impacted by rent, cell and utility payments. Not all bill payments may be eligible. Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion.
LockIt® controls will not block all transactions on your card. They will not block transactions processed when standard authorization systems are not used. They will not block merchant-identified recurring transactions, credits to your account, ATM deposits, ATM Now Card loads, ATM payments (including transfers from your deposit accounts to your credit accounts), ATM check cashing, ATM inquiries or ATM account mini statements. If your credit card provides overdraft protection to your checking account, they will not block overdraft protection advances.

Credit Cards

Earn cash back for everyday purchases with the Prestige Visa Credit Card

Find the credit card that fits your needs

Unlimited Cash Rewards Cash Rewards Visa® Credit Card

Cash Back on everyday purchases Prestige Visa® Signature Credit Card

Save on interest Life Visa® Credit Card

Build positive credit Explore Visa® Credit Card

Compare credit cards and rewards

Top features for all credit cards

Contactless Payment

Control Your Credit Cards

Unlimited Cash Rewards
Cash Rewards Visa® Credit Card

Cash Back on everyday purchases
Prestige Visa® Signature Credit Card

Save on interest
Life Visa® Credit Card

Build positive credit
Explore Visa® Credit Card