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Get more! Open a new SCORECARD.

  • Get 5,500 bonus Points
    (A $55.00 value!  100 points = $1.  credited on your first purchase.)
  • 0% APR* Intro rate for 6 months
    (purchases, transfers & cash advances.)
  • no annual fee
  • earn 3x points on gas
  • earn 3x points on first purchase
  • Local customer Service

Learn more

 

 

Earning points is easy with ScoreCard Rewards

Use your ScoreCard Rewards Credit Card for all of your everyday purchases.


Example:
Provided for illustrative purposes only. Cashback may be received as a statement credit or direct deposit to your MidWestOne deposit account. Statement credits do not apply toward your required minimum monthly payment amount.

Purchase Amount ScoreCard Rewards Points Earned Rewards Points Value

$0

5,500 Bonus Points  - must apply by 12/31/20$55.00
$2,4993x points on first purchase$74.97
$2003x points on gas purchases$6.00
  TOTAL VALUE Earned: $135.97

 

Get rewarded with ScoreCard

Use your ScoreCard Rewards Points on travel, cash back, merchandise and more!

Travel

 

Cash Back

Merchandise
TIP: enroll your ScoreCard in your favorite mobile wallet to make earning points fast and easy.

 

 

ScoreCard Rewards Cardholder Benefits

Our credit card delivers hometown convenience, worldwide acceptance, great benefits and much more.

  • Click here for competitive interest rates
  • No annual fee1
  • ScoreCard Rewards points for cash back, merchandise, travel, and more!
  • $500,000 travel accident insurance
  • Minimum credit limit $3,000
  • Chip card security
  • Fraud monitoring and zero fraud liability
  • 24/7 customer service located in US
  • Online access via EZCardInfo.com

Apply Now


 
Visa ScoreCard

 

1See the card application’s Important Disclosures for current terms, rates, and fees.

*Annual percentage rate. Subject to credit approval. We add a margin to the Prime Rate to determine variable APRs. An increase in the Prime Rate will cause an increase in your APR, the INTEREST CHARGE and your minimum payment. The U.S. Prime Rate will be the rate in effect on the 15th day of the month immediately preceding the calendar quarter change date as published in the Wall Street Journal. If the Wall Street Journal is not published for any reason, the Bank may use a comparable index and margin to determine its rate. APRs shown here are based on the 3.25% Prime Rate in effect on 10/01/2020. For each billing period, the APR is determined by adding a margin to the Prime Rate. The margin APR for Purchases, Balance Transfers, and Cash Advances is 7.49%-13.49%. Finance charges are assessed on cash advances from the date they are posted. Other fees that may occur include: cash advance, foreign, late payment, and returned payment. Cannot be combined with any other bonus point offer. Offer good until 12/31/2020.

Disclosures

INTEREST RATE AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases

0% Introductory APR for 6 months from the date your account was opened.

After that, your APR will be 10.74% - 16.74% Standard APR based on your credit worthiness.

This APR will vary with the market based on the Prime Rate.

 

APR for Balance Transfers

0% Introductory APR for 6 months from the date your account was opened.

After that, your APR will be 10.74% - 16.74% Standard APR based on your credit worthiness.

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

0% Introductory APR for 6 months from the date your account was opened.

After that, your APR will be 10.74% - 16.74% Standard APR based on your credit worthiness.

This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
FEES
Annual Fees None

Transaction Fees

 

• Balance Transfer

None

• Cash Advance

Either $5.00 or 3.00% of the amount of each transfer, whichever is greater.

• Foreign Fees

1.00% of each transaction in U.S. dollars.

Penalty Fees

 

• Late Payment

$25.00

• Over-the-Credit-Line

None

• Returned Payment

$35.00 


How We Will Calculate Your Balance: We use a method called “average daily balance”. See your consumer cardholder agreement for further information regarding how we calculate your balance.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your cardholder agreement.

Disclosure Fees: Rush Fee - $30.00

To help the government fight the funding of terrorism and money laundering activities, Federal Law requires all financial institutions to obtain, verify and record information that identifies every customer. What does that mean to you: When you apply for credit we will ask for specific legal entity information; and information on all signers to include name, address, date of birth and other information that will allow us to identify the signers. We may also ask to see the signers driver’s license or other identifying documents.

How We Will Calculate Your Variable APRs: We add a margin to the Prime Rate to determine variable APRs. An increase in the Prime Rate will cause an increase in your APR, the INTEREST CHARGE and your minimum payment. The U.S. Prime Rate will be the rate in effect on the 15th day of the month immediately preceding the calendar quarter change date as published in The Wall Street Journal. If The Wall Street Journal is not published for any reason, the Bank may use a comparable index and margin to determine its rate. APRs shown here are based on the 3.25% Prime Rate in effect on 10/01/2020. For each billing period, the APR is determined by adding a margin to the Prime Rate. The margin for the APR for Purchases, Balance Transfers, and Cash Advances is 7.49%-13.49%.