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Visa Platinum Rewards

Low Rates & Higher Rewards

Open Your Card Borrowing Guide

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Visa Platinum Rewards Credit Card

buy what you want and get rewarded for it

Rates or rewards – why not both? Charlotte Metro's Visa Platinum Rewards credit card gives you the spending convenience you want for everyday purchases and the perks that give you more.

  • Variable-rate – as low as 9.65% APR1
  • Earn 1 Reward point for every $1 you spend
  • Redeem points for travel, gift cards, and cash. Visit the Awards Catalogue for a sample of redeemable items2
  • 0% on purchases and balance transfers3
  • Flexible credit limits up to $20,000
  • 25-day grace period on purchases
  • Online Banking access for payments, history, and balance transfers
  • Optional checking account overdraft protection
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WHAT'S INCLUDED?

your credit card tools

security features

cell phone protection

auto rental collision damage

questions about your rewards?

CARDHOLDERS

lost or stolen card?

To report, call 704.375.0183, 24 hours / day.

Think you just misplaced it? Log in to Online or Mobile Banking and navigate to Card Controls to freeze your card until you’re able to locate it.

Freeze Card

Credit Cards

not sure where to start?

If you’re interested in a credit card but aren’t quite sure where to start, check out these helpful resources.

get calculatin'

credit card payoffs

See how long it will take to pay off your credit card balance based on your monthly payment - or find out how much your monthly payment will be. Trying to pay your credit card balance off in a certain amount of time? This calculator will help you determine what your monthly payment should be to reach your payoff goal!

credit card payoffs

See how long it will take to pay off your credit card balance based on your monthly payment - or find out how much your monthly payment will be. Trying to pay your credit card balance off in a certain amount of time? This calculator will help you determine what your monthly payment should be to reach your payoff goal!

ok, so here's the fine print

Let's Get Started

how to open your new card

i'm a member

Already a member? Follow these simple steps to apply for your new Platinum Rewards credit card.

  • Log in to Online Banking
  • Navigate to the Credit Cards tab
  • Select Apply for a Credit Card in the dropdown menu to get started

Log In

i'm new here

Here’s what you’ll need to get started:

  • Proof of Identity (current driver’s license or state-issued ID)
  • Social Security Number
  • A minimum opening balance of $5
  • The routing number and account number of a valid checking account, debit, or credit card

Apply Now