Personal Credit Cards & Rewards

Make your daily expenses rewarding experiences with credit card benefits tailored to you and your goals.

Apply Now

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Find the credit card that's right for you.

Every customer has their unique money goals and spending habits. We've partnered with Elan Credit Card Services to give you the options you deserve.

Rewards You'll use

Dine, shop, and earn. It’s that simple.

BNC National Bank's suite of credit card services turns every transaction into an opportunity—whether you’re enjoying fine dining or shopping for groceries.

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Dine & Earn

Savor every bite, earn with every bill.

Indulge a little, and earn 4x unlimited points on dining, take-out, and food delivery.

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Shop & Earn

Points that cater to your daily needs.

Whether you’re getting groceries, fueling up, or streaming your favorite shows, earn 2x unlimited points.

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Spend & Earn

Points on every purchase.

For all other eligible purchases, enjoy 1x unlimited points.

Start Earning

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Sign-Up Bonus

A warm welcome (with even more rewards).

Earn 15,000 points when you spend $500 within the first 90 days of account opening.

Get Your Bonus

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Flexible Redemption

Your points, your choice.

Dream vacations? Convenient cash in your pocket? The choice is yours. Explore your redemption options to truly make the most of your hard-earned points.

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Credit Card Security

More than just rewards.

With BNC National Bank’s credit card services, enjoy enhanced safety, fraud protection, and peace of mind with every transaction. It’s just one of the advantages of choosing credit over debit—but it’s a big one!

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Ready for rewarding transactions?

Let's redefine your spending experience.

Our team is ready to help you unlock benefits now and rewards later. Apply for your credit card with BNC National Bank, and we’ll take care of the rest.

Join us Today!

Meet our team of professionals.

Learn more about our company history and mission here at BNC National Bank and get to know our talented team of bankers ready and willing to assist you.

Meet The Team

Access local branch locations and hours.

Locate BNC National Bank branches in your area. Contact the branch or schedule a visit with our telephone and address directory.

View Branch & Location Hours

Credit cards to match your goals.