Credit card banner people shopping with bags

Credit Cards That Fit Your Everyday Life

  • Enjoy no annual fee
  • Full access and management to your card with digital banking
  • Add your card to your mobile wallet for fast, secure checkouts
  • Introductory offers and rewards
Apply Online

Credit Cards Designed Around Your Goals

Whether you're looking to earn rewards, transfer a balance, or simply pay less interest, St. Mary's Bank offers Visa® credit cards with competitive rates, no annual fee, and local support.

  • 0% Intro APR* on purchases for the first 12 billing cycles (thereafter variable APR* 13.45% - 22.45%)
  • 0% Intro APR* on balance transfers for the first 12 billing cycles (thereafter variable APR* 13.45% - 22.45%)

Choose the Credit Card That's Right for You

Credit Card Offers

Your money toolkit could be missing one of the most powerful tools, a credit card. Select from a range of Visa® Credit Cards with features such as, cash-back rewards, no annual fee, and intro offers.

White St. Mary's Bank Icon

Visa® Platinum Standard

Achieve your financial goals with a simple, low-rate card.

  • Standard Rate: 13.45% - 18.45% variable APR*
  • Credit lines up to $25,000
  • No annual fee
White St. Mary's Bank Icon

Visa® Platinum Rewards

Popular Option

Earn unlimited rewards with every purchase. 1.5 points for every dollar spent*.

  • Standard Rate: 17.45% - 22.45% variable APR*
  • Bonus Rewards: 10,000 bonus points when you spend $1,500 or 5,000 bonus points when you spend $750 in the first 90 days
  • Credit lines up to $25,000
  • No annual fee
White St. Mary's Bank Icon

Visa® Secured

A reliable choice for establishing or rebuilding credit.

  • Standard Rate: 18.45% variable APR*
  • Open with a security deposit between $300 - $2,500
  • No annual fee
Financial calculator on a sky blue background

See If a Balance Transfer Could Save You Money

Moving your balance could help you save, with a quick look at your current card and transfer options.

Balance Transfer Calculator

See More Credit Card Calculators

Apply for a Credit Card

Ready to finish or check the status of your application? Click here.

Earn Points All Year long

Use your St. Mary’s Visa® Platinum Rewards, or Platinum Business Rewards credit card to automatically earn 3 points on popular categories*** throughout the year and 1.5 points on all other purchases*.

Learn More

Need to chat? Call our Credit Card Redemption Center at (800) 816-3923 - available 24/7 (except Thanksgiving and Christmas).

Visa® Rewards Points

Blue gas inside of gas tank of red car.

May - August

Gas

Double points on every gas station and fuel purchase. A great time to rack up your points during the high travel months.

Fruits and vegetables in two brown paper bags.

September - December

Groceries

  • Grocery Stores, Supermarkets
  • Convenience and Specialty Food Markets
  • Bakeries and Bagel Shops

Build Your Credit with Confidence

Good credit opens more doors. Credit Builder is designed for members with little or no credit history, while Credit Builder Plus helps those looking to re-establish their credit. Both options make it easier to build positive payment history and move toward your financial goals.

Credit Builder

Learn More Find a Branch

FAQs

What should I do if my card is stolen or if I see an unauthorized transaction?
You can block your card immediately and order a new card through Card Management in your Online Banking. Please reach out to  our Member Contact Center at (888) 786-2791 or our Card Support Center at (877) 286-2612 for further assistance. 
What payment options are available?
Check out our Consumer Loan Payment page for your options here.
How do I check the status of a recent loan application?

To check the status of a consumer loan (home equity, credit card, personal loan, or vehicle loan) in progress, visit here.
How do I add my card to my mobile wallet?
You can add your eligible card directly from digital banking (online or mobile app) using Push to Wallet. Once added, you can use your phone or smartwatch anywhere contactless payments are accepted.
How do I transfer a balance to my St. Mary's Bank Credit Card?
  • You can submit a balance transfer request through your Online Banking under Member Forms (Click the More icon, followed by Tools & More).
  • Or you can reach out to our Member Contact Center at (888) 786-2791
What is my Cash Advance/ATM limit and are there fees for a Cash Advance?
The cash advance limit is 50% of the credit line assigned to the credit card account. The minimum required for a cash advance is $50.00. The fee is either $10.00 or 4% of the total amount of each cash advance, whichever is greater. The ATM withdrawal max per day limit is $600.00. The bank withdrawal max per day on cash advances is $3,000.00.

Explore

See All Posts
St. Mary's Bank named Large Business of the Year

business news

St. Mary’s Bank Named Large Business of the Year by Hudson Chamber of Commerce

St. Mary's Bank Named Commercial Lender of the Year

business news, Featured

St. Mary’s Bank Named SBA Credit Union of the Year, Supporting New Hampshire  Small Businesses

St. Mary’s Bank Completes Renovations at Londonderry Branch that Supports Modern Banking

business news

St. Mary’s Bank Completes Renovations at Londonderry Branch that Supports Modern Banking

DISCLOSURES:
Account opening disclosures:
Visa® Credit Card Application Solicitation & Disclosure
Rewards Terms and Conditions

*Rates and terms are determined by the overall creditworthiness of each applicant and are subject to change. Annual Percentage Rate (APR) accurate as of 12/11/25. After the introductory billing cycles, the APR for purchases and balance transfers will be a variable 13.45% APR to 22.45% APR, based on your credit worthiness. Other fees include: Late Payment Fee $25 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment; Balance Transfer Fee is $10 or 3.00% of the amount of each balance transfer, whichever is greater; Cash Advance Fee $10 or 4.00% of the amount of each cash advance, whichever is greater; Foreign Transaction fee is 1.00% of each transaction in U.S. dollars; Pay by Phone With a Live Representative Fee $15; Rush Card Fee $40. Minimum Balance Transfer $250.

Cardholder will earn 10,000 bonus points for spending $1,500 within 90 days of account opening, or earn 5,000 bonus points for spending $750 within 90 days of account opening, for qualified transactions made at participating merchants using their Rewards Card. 

**Whichever is greater.

***Exclusions may apply. Primary St. Mary's Bank Visa Platinum Rewards and Business Platinum Rewards Credit Card accounts are automatically enrolled to earn double points on each dollar spent on qualified purchases up to $3,000. Double points will be calculated and posted at the end of the transaction day.