Credit Cards

Inter American Trust Bank offers two excellent VISA® credit cards providing safety, convenience, and worldwide acceptance. Choose our popular Platinum card, or if you are wishing to build credit The Achiever is the card for you.

Both cards offer:

  • No application fee.
  • No annual fee.
  • 1% cash back checking reward on purchases when you have a qualifying High Rewards Checking account.*
  • A 25-day interest-free grace period for purchases.
  • Same low rate for cash advances as for purchases.
  • Low International Service Assessment (ISA) Fee compared to what banks charge.
  • Our Design Your Own Card program to make your card uniquely yours.

The Platinum Card also offers:

  • Special low introductory rate for new cards.**
  • No balance transfer fee from other higher interest, higher annual fee cards.

We also offer Apple Pay, and you can make your card unique with our Design Your Own Card program - simply select an image or photo that you want to appear on your card.


Learn how long it will take you to pay off your credit card balance with our helpful calculators.

Ready to apply?

Compare VISA Credit Cards4

Terms and Conditions subject to change without notice.

1APR – Annual Percentage Rate. Variable Rate Information for Platinum: Purchases and Cash Advances - APR may vary. The rate is determined by the preceding four-week average of the 26-week Treasury bill rate, plus up to twelve percentage points.
2APR – Annual Percentage Rate. Variable Rate Information for Achiever: Purchases and Cash Advances - APR may vary. The rate is determined by the proceeding four-week average of the 26-week Treasury bill rate, plus up to eighteen percentage points.
3Offers the security of Visa’s Zero Liability for fraudulent purchases (zero liability does not apply to ATM transactions or PIN transactions not processed by Visa).
4Additional information-
Grace Period: You have 25 days after the close of a billing cycle to repay your balance for purchases before a finance charge on purchases will be imposed.

Method of Computing the Balance for Purchases: Average daily balance (including new purchases).
Proof of income is required without a co-maker if you are under age 21.

* This benefit is available if you meet the High Rewards Checking qualifications described on the Checking page. Cash back reward is based on your Inter American Trust Bank VISA Credit Card “Net Spend”. Net Spend is any eligible purchases made during the calendar month not during the credit card billing cycle. Excluded transactions include, but are not limited to, insurance payments, fees assessed, cash advances, balance transfers, and interest paid. Posted credits, unauthorized charges, and items returned during the calendar month may decrease the amount of net spend eligible for cash back. Rewards are posted on the first business day of each month for prior month activity. Accounts and loans that become and/or remain in delinquent status may not be eligible for cash back rewards. Inter American Trust Bank Visa Credit Card must be on the same account as your High Rewards Checking to be eligible for the cash back reward.

** The Introductory Annual Percentage Rate (APR) applies only to purchases and balance transfers made on new Visa Platinum accounts during the first 60 days. After the initial 60 days, our Standard APR applies. The Introductory APR will continue to apply to the qualified transactions until your credit card account has been opened for 12 months or the balance is paid. Any remaining balance will roll into the Standard APR.

VISA Platinum Benefits

All these free benefits are yours with an Inter American Trust Bank VISA Platinum Card:

  • $500,000 Travel Accident Insurance
  • Auto Rental Collision Damage Waiver
  • Lost Luggage Reimbursement for Checked Bags
  • Travel and Emergency Assistance Services
  • Roadside Dispatch, a 24-hour, toll-free referral dispatch for emergency roadside assistance services like towing, fuel delivery, and more
  • Warranty Manager Services
  • $2,000 Trip Cancellation/Interruption Protection per trip
  • $300 Trip Delay Reimbursement per Ticket Purchased
  • VISA Benefits Assistance Center available 24/7 - for benefits questions call 1-800-847-2911

Credit Card Safety

VISA Fraud Detection

Get the highest level of security when it comes to protecting your account from fraudulent charges. VISA’s Fraud Detection Service monitors transactions on your account 7 days a week, 24 hours a day. Click here for information about what to do if a VISA Fraud Representative contacts you.

Verified by VISA

Verified by Visa enrollment is no longer required on Inter American Trust Bank cards, but rest assured that your Visa card transaction is still secure. Your security is important, and therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption. For additional information call the Verified by VISA support center at 1-800-504-5705.

VISA Purchase Alerts

Sign up for VISA Purchase Alerts to receive near real-time email updates on your VISA card activity. This way you can act quickly to help reduce fraud and monitor your account, wherever you are. And VISA Purchase Alerts is a free service for Inter American Trust Bank VISA cardholders. Learn more and sign up at

VISA Checkout

Pay online the easier way with VISA Checkout and your Inter American Trust Bank VISA Credit card.

Payment Options

A variety of convenient options are available to you


Automatic transfer from any account using ACH.

Download the ACH authorization form.


Transfer from your Inter American Trust Bank  account.

Use Online Banking or the Memberline Automated Phone Banking System.


By mail to: Inter American Trust Bank, P.O. Box 1188, Marietta, GA 30061


Online or by phone using funds from another institution.

Make a payment by phone , option 4. Make a payment online.

There is a $7.50 charge to use this method. You can use a debit or credit card, or transfer from a checking account.


At any Inter American Trust Bank location.