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701.664.3388 Live Chat

Credit Cards

Good credit is important for great rates on future loans. Open a Visa® credit card and start building or improving your credit score.

Credit cards also offer the flexibility of being able to pay off purchases on your own time. We offer different types for different needs. Find the right card for you!

  • Competitive rates*
  • No annual fee
  • Flexibility to pay off purchases
  • Security of ready financing
  • Available in different types
  • Easy online account management
  • Purchasing power of Visa®

Competitive Rates

Our credit cards offer no annual fee and a special introductory APR on purchases and balance transfers. See important disclosures here for more details.

Chip Card Security

Get big protection in a tiny chip. Chip technology protects you from in-store fraud by creating a one-time use code for each chip transaction.

Fraud Monitoring 

We’ll notify you via email or text alerts if suspicious activity occurs on your account.

Travel Benefits

For protection while traveling, your card automatically provides you and your family with travel accident insurance. 

24/HR Client Service

Customer service representatives are located in the U.S. and are dedicated to providing you with personal service. Please call 800-883-0131 for credit card client service support.

How do I get the process started and apply for a credit card?

If you’re interested in applying for a credit card at The Bank of Tioga, apply online or simply contact us via phone, email, Live Chat or in-person to get started.

DO MORE with your money at The Bank of Tioga

At The Bank of Tioga, we IGNITE PROSPERITY® by helping our clients do more with their money. Whether it’s saving a little extra cash each month or accomplishing a long-term strategy, our goal is to help you transform your financial life. Call and schedule an appointment today, one of our team members would love to help you do more with your money at The Bank of Tioga. The Bank of Tioga has two locations in North Dakota. For more information visit thebankoftioga.com, call 701.664.3388 in Tioga or 701.965.6333 in Crosby. #igniteprosperity

*0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 3.25% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 9.99% and 19.99%, Platinum Edition APRs are currently between 8.99% and 18.99%, and Cash Rewards Platinum APRs are currently between 12.99% and 22.99%. Rates are accurate as of April 30, 2020 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A.