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Consumer Visa® Credit Cards

Selecting the perfect credit card has become more convenient than ever before. Whether your goal is to expedite balance payments, optimize cashback earnings, collect rewards, or start establishing your credit history, we offer the ideal card to suit your needs. A credit card from Murphy-Wall State Bank and Trust Company gives you the world-wide acceptance you get from the big, national, credit card companies, with the convenience of being from your local bank – the people you already know and trust.

Learn more about available features like—

  • View your FICO® Score for Free1
    Cardholders can view their FICO® Score for free online at MyCardStatement.com. Scores are updated monthly.
  • Cell Phone Protection2
    When paying a cell phone bill with their consumer credit card, cardholders receive automatic coverage for theft and damage protection.
  • Mobile Payments
    Cardholders can make safe and secure payments from their mobile device with Apple Pay®, Samsung Pay™, and Google Pay™.
  • Zero Fraud Liability and Fraud Monitoring
    Cardholders receive text and email fraud alerts for suspicious activity. Plus, cardholders are not responsible for fraudulent charges.
  • Travel Accident Insurance4
    Cardholders receive travel accident insurance, up to $150,000, at no extra cost, when booking their entire travel fare to their credit card.


Rewards Platinum Visa®

Blue Consumer Rewards Platinum Credit Card

Consumer Rewards Platinum Visa® Credit Card earns one point per dollar on net purchases. Redeem points for merchandise, rental cars, travel, and more! Airline tickets are good on any airline with no blackout dates! Visit cRewardsCard.com for details.3

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Cash Rewards Platinum Visa®

Teal Consumer Cash Rewards Credit Card

Consumer Cash Rewards Platinum Credit Card earns 1% cash back on all net purchases. Redeem cash back for statement credit anytime!

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Platinum Edition Visa®

 Grey Consumer Platinum Edition Credit Card

Consumer Platinum Edition Credit Card offers no penalty APR and competitive rates for those that need to carry a monthly balance!

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Visa Signature®

Black Signature Visa Credit Card

Consumer Visa® Signature Credit Card earns 1.5 points per dollar on net purchases AND you can earn 30,000 Bonus Points when you spend $2,500 in the first 3 months.Visa® Signature benefits include access to Visa Signature Luxury Hotel Collection5 and Rental Car Privileges with Audi On Demand!

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Secured Platinum Visa®

Silver Secured Platinum Visa Credit Card

Consumer Secured Platinum Visa® Credit Card is the card to help you build or re-build your credit!  With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months!6

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Excursion Visa Signature®

Navy and Black Excursion Visa Signature Credit Card

Consumer Excursion Visa Signature® Credit Card can earn 2% cash back on air travel, hotels, dining at restaurants—including takeout, delivery services, and more! Earn unlimited 1% cash back on all other purchases. Plus, earn $50 cash back7 when you spend $500 in the first 60 days!

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Apply for one of these options today!

Apply Now!


1FICO is a registered trademark of Fair Isaac Corporation in the United State and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
2Certain terms, conditions, and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim, visit the FAQ section as wwww.cardbenefitservices.com or call 1-866-894-8569.
3Available with Rewards Platinum, Visa Signature, and Cash Rewards Platinum credit cards only. To access rewards, your account must be open and in good standing.
4Coverage applies when-the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
5Some Restrictions and Limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substantial benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.
6In as little as 13 months of responsible use, you become eligible for an account review for graduation to an unsecured credit card.
In order to graduate, you must: make on-time payments, spend within your credit limit, have a credit score of at least 660, and have no delinquencies in 12 months. If your account becomes 30 days delinquent, we will close the account and use your security deposit to pay any outstanding balances. Any remaining funds will be returned to you within 90 days of account closing.
7Receive a $50 statement credit when you spend $500 in purchases (minus returns) in the first 60 days of account opening using your Excursion Visa Signature credit card. When calculating the total spend, finance charges, fees, balance transfers, cash advances, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to your Account will not be included. Statement credit will be applied to your Account the following billing cycle. To be eligible for this offer, your Account must be open and in good standing (i.e., not cancelled, terminated by either party or otherwise not available for your use) at the time of credit posting. We reserve the right to debit your credit card account if subsequent returns reduce the total spend made on purchases during the first 60 days of account opening.
*See the card application’s Important Disclosures for current terms, rates, and fees. These cards are issued by TCM Bank, N.A. Subject to credit approval.