Card Services

The State Bank & Trust Company offers a credit card to match your lifestyle.

LOW RATE. REWARDS. CASH BACK.

You get to make the choice to apply for a Visa Classic, Visa Platinum, or MasterCard Gold. Each card will provide you with convenience, reliability, and flexibility that you would expect from a credit card. With very competitive rates and no annual fee*, there has never been a better time to enjoy these benefits:

Great Introductory Rate!
No annual fee*!
Acceptance at over 29 million merchants worldwide!
24 hour customer service at 877-954-0190!
Zero liability on lost and stolen cards!
Auto rental collision damage waiver!
Special seasonal offers!

In addition to the benefits listed above, each product has its own unique benefits:

VISA CLASSIC

Our lowest interest rate!
$150,000 in travel insurance!

VISA PLATINUM REWARDS

Earn points for each dollar you spend using your Visa card. You then can
redeem your accumulated points for rewards such as travel, merchant
certificates and more!
$500,000 Travel Accident Insurance!
Visa assistance center!

MASTERCARD GOLD WITH CASH BACK

Earn cash back-up to 1% of your total net purchases per year!
$500,000 Travel Accident Insurance!
Extended warranty doubles most U.S. manufacturers warranty or store
brand warranty up to one year! Certain restrictions apply.
Purchase Security. Most new purchases are covered against theft or damage
For a full 90 days from the date of purchase! Certain restrictions apply.

* No annual fee the first year and every year after if at least four purchases per year are made. Otherwise, $20.