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OPEN A CREDIT CARD

At North Shore Trust and Savings, we understand that there are times when having a credit card comes in handy. We know our customers have different needs and goals and encourage you to use your card in the best way possible. Whether you are a consumer or a business client we offer three credit cards, each with excellent benefits and features. Please consult with one of our friendly team members if you have any questions.

We currently offer MasterCard World®, MasterCard Platinum® and Visa® Platinum credit cards.

VISA OR MASTERCARD PLATINUM LOW-RATE CARD (CONSUMER)

24-Hour

24-HOUR TOLL-FREE LIVE CUSTOMER ASSISTANCE

24-hour toll-free live customer assistance available at 800-367-7576. Online account access and management available 24/7 at www.cardaccount.net.

RENTAL CAR COVERAGE

Mastercard Platinum benefits include rental car collision damage waiver protection, extended warranty protection and travel accident insurance. Visa Platinum offers rental car collision damage waiver protection.

APR FOR PURCHASES AND CASH ADVANCES

Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

NO ANNUAL FEE

Low-Rate

LOW INTRODUCTORY RATE

Competitive-Rate

COMPETITIVE ONGOING APR

25-DAY INTEREST-FREE GRACE PERIOD

25-day interest-free grace period on all purchases. No grace period on cash advances or cash equivalent transactions.

VISA PLATINUM AND MASTERCARD PLATINUM PREFERRED POINTS CARDS (CONSUMER)

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EXTENDED WARRANTY

Enjoy the benefit of extended warranty protection with the Visa Platinum and MasterCard Platinum Preferred Points cards.

Travel

TRAVEL ACCIDENT INSURANCE

Provides coverage for the cardholder, spouse, and dependent children under 18 .

RENTAL CAR COVERAGE

Provides coverage for rented vehicles against collision and theft, as long as the car rental company’s own insurance is declined.

EARN ONE POINT FOR EACH DOLLAR SPENT

Earn one point for each dollar spent, up to 10,000 points per month. Points can be redeemed for cash back, travel, merchandise and retail gift cards.

24-Hour

24/7 ONLINE ACCOUNT ACCESS

Online account access and management available 24/7 at www.cardaccount.net. To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.

NO ANNUAL FEE

Low-Rate

LOW INTRODUCTORY RATE

25-DAY INTEREST-FREE GRACE PERIOD

25-day interest-free grace period on all purchases. No grace period on cash advances or cash equivalent transactions.

MASTERCARD WORLD CARD (CONSUMER)

Low-Rate

LOW INTRODUCTORY RATE

NO ANNUAL FEE

25-DAY INTEREST-FREE GRACE PERIOD

25-day interest-free grace period on all purchases. No grace period on cash advances or cash equivalent transactions.

RENTAL CAR COVERAGE

Provides coverage for rented vehicles against collision and theft, as long as the car rental company’s own insurance is declined.

EARN ONE POINT FOR EACH DOLLAR SPENT

Earn one point for each dollar spent, up to 10,000 points per month. Points can be redeemed for cash back, travel, merchandise and retail gift cards.

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EXTENDED WARRANTY

Enjoy the benefit of extended warranty protection with the MasterCard World card.

24-Hour

24/7 ONLINE ACCOUNT ACCESS

Online account access and management available 24/7 at www.cardaccount.net. To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.

STANDARD CARD (BUSINESS)

Available to all applicants for both Mastercard® and Visa®.* Reward points are not available for this card product.

Low-Rate

NO INTRODUCTORY RATE

NO ANNUAL FEE

25-DAY INTEREST-FREE GRACE PERIOD

25-day interest-free grace period on all purchases. No grace period on cash advances or cash equivalent transactions.

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BILLING OPTIONS

The standard card offers both individual and summary billing options.

Travel

TRAVEL ACCIDENT INSURANCE

Provides coverage for the cardholder, spouse, and dependent children under 18.

RENTAL CAR COLLISION DAMAGE WAIVER

Provides coverage for rented vehicles against collision and theft, as long as the car rental company’s own insurance is declined.

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EXTENDED WARRANTY

Enjoy the benefit of extended warranty protection with the MasterCard World card.

MASTERCARD AND VISA PREFERRED POINTS CARD (BUSINESS)

Low-Rate

NO INTRODUCTORY RATE

ANNUAL FEE

$49 Annual Fee per account.

25-DAY INTEREST-FREE GRACE PERIOD

25-day interest-free grace period on all purchases. No grace period on cash advances or cash equivalent transactions.

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BILLING OPTIONS

This card offers only the individual billing option.

Travel

TRAVEL ACCIDENT INSURANCE

Provides coverage for the cardholder, spouse, and dependent children under 18.

RENTAL CAR COLLISION DAMAGE WAIVER

Provides coverage for rented vehicles against collision and theft, as long as the car rental company’s own insurance is declined.

Login

EXTENDED WARRANTY

Enjoy the benefit of extended warranty protection with the MasterCard World card.

EARN ONE POINT FOR EACH DOLLAR SPENT

Earn one point for each dollar spent, up to 10,000 points per month. Points can be redeemed for cash back, travel, merchandise and retail gift cards.

FEES FOR ALL CARD PRODUCTS

TO APPLY NOW

Late Fee: $25    |    NSF Fee: $25

Cash Advance and Balance Transfer Fee: 3% of the cash advance or balance transfer amount, subject to a minimum fee of $10.

International Transaction Fee: 2% of the U.S. dollar amount of the transaction converted from the foreign currency.

Card Program Contact Information
Cardholder Customer Service: 800-367-7576
Agent Bank Support: 800-443-2819 or [email protected]
Application Processing Fax: 877-809-9162 or [email protected]

Type the information and save it to your device. Then print and sign the application and return it per the instructions below. Paper applications are also available at each of our local branch offices.

Return the completed application (page 1) to 877-809-9162 (fax) or [email protected].

Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120

*Please see application for information about current APRs and fees.

**The Employee, Preferred Points and Low Rate consumer products include MasterCard Platinum and Visa Platinum cards; World card is only available for MasterCard and includes Preferred Points rewards. The Standard and Preferred Points business products include MasterCard and Visa Business cards.

***After the introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index, the Prime Rate published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. The Account will never have an APR over 21%.

****Additional information about MasterCard and Visa cardholder benefits are provided on TIB Benefits Charts.