Your first credit card should be a smart one. The Smart Start Rewards Visa^® credit card features:

• Rates as low as 8.99% APR*
• Rewards points
• Automatic credit line increases
• On time payment awards¹
• One-time late payment forgiveness²
• Payments via Apple Pay®, Google Pay, and Samsung Pay®
• Lock/unlock a lost or stolen cards via online and mobile banking/app
• FICO® Score
• A low rate³
• Ability to customize your card with a picture for free

Plus, open a Smart Start Rewards Visa credit card Jan. 1 through March 31, 2022, get up to $150 bonus**

Why choose the Smart Start Rewards Visa credit card:

• No annual fee • No balance transfer fees • No cash advance fees
• 28-day grace period
• Earn one CURewards point for each dollar spent^†
• Redeem points for cash, travel, merchandise, gift cards, and more
• Fraud protection via Zero Liability
• ID Navigator Powered by NortonLifeLock to help prevent identity theft
• Cell Phone Protection^††
• Shipt discount: Same-day delivery of grocery and household essentials from a variety of stores you love
• Sofar Sounds presale offers and potential free ticket offers

Eligibility requirements for the Smart Start Rewards Visa credit card:

• Must be between the ages of 18 and 26
• Able to make payments on your own
• Proof of income or qualified co-signer is required for those under 21 years of age

Make purchases, pay bills, and be prepared for emergencies. A Smart Start Rewards Visa credit card is designed to help young adults build good credit while learning to use it responsibly.

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^*APR = Annual Percentage Rate. APR and credit card approval depend on creditworthiness and other qualifications. Rates, terms, and conditions are subject to change without notice. Click here for full disclosures. Business accounts are not eligible. Annual Percentage Rate (APR) is a variable rate and is accurate as of 12/22/21. APR and credit card approval depends on creditworthiness and other qualifications. Minimum rate is 8.99% APR. Maximum rate is 15.99% APR. Rates, terms, and conditions are subject to change without notice. **Existing TruMark Financial credit cardholders do not qualify, nor is this offer available to existing TruMark Financial credit cardholders opening or transferring to a TruMark Financial Smart Start Rewards Visa credit card. Smart Start Rewards Visa credit cards opened 1/1/22 through 3/31/22, get 5,000 CURewards points within 42 days of card open date. Spend at least $500 within 90 days of card open date, get an additional 5,000 CURewards points OR spend at least $1,500 within 90 days of card open date, get an additional 10,000 CURewards points. (A total of 10,000 CURewards points redeemable for up to $100 OR a total of 15,000 CURewards points redeemable for up to $150.) CURewards points for spend requirement will be awarded within 120 days of card open date. Balance transfers are not applicable to the spend requirement. CURewards points can be redeemed for cash via online banking/TruMark Financial’s mobile app. Offer subject to change. Incentives offered on other TruMark Financial credit cards cannot be combined. All loans subject to approval. Business accounts are not eligible.

¹$10 will be deposited into the savings account for the first five consecutive on time payments. 7,700 CURewards points will be awarded for the sixth on time payment within 45 days. ²Late payment forgiveness will be made one time only. ³Rates and credit card approval depends on creditworthiness and other qualifications. Rates, terms, and conditions are subject to change without notice.
^††Click here for Rewards benefits disclosure