Our Visa® Credit Cards offer:

  • Competitive rates with 0% APR intro rate for the first six months and an every day rate of 9.99% APR after that. View disclosures.
  • Local service from our Credit Card department in Winona, MN.
  • No fees on balance transfers.
  • Flexible payment options, including redeeming points to pay down your balance.
  • Fraud detection and alerts 24/7.
  • Travel benefits, including up to $150,000 insurance when used to purchase travel fare and more.
  • ScoreMore bonus points.
  • Contactless payments, which are faster and more secure. Just tap to scan your card at participating retailers.
  • Access your credit card account on mycardstatement.com through Merchants Bank Online Banking.

Please scroll left and right to view the rest of the table.

Account Features Visa® Classic with ScoreCard SM Rewards Visa® Platinum with ScoreCard SM Rewards Visa® ScoreCard Cash Back
Earn Rewards 1 point for every $1 spent 5 1 point for every $1 spent 5 Up to 1% cash back on all purchases
Low Introductory APR
On purchases, balance transfers and cash advances. 
Introductory rate will be 0% APR, fixed for six months,
from the account opening date.
0% 1 0% 1 0% 1
APR after 6 Months 9.99% 2,3
9.99% 2,3 9.99% 2,3
Annual Fee None None $30
Free Falcon Fraud Detection Checkmark in table
Checkmark in table
Checkmark in table
View Terms/Agreement

Protect Your Credit Card

With the Merchants Bank Credit Card App

The power to protect your personal and business credit card transactions in your hands with our free Merchants Bank Credit Card app. With our app, you can:
  • Turn your credit cards "on" and "off" giving you peace of mind if you lose your card.
  • Control where your credit cards can be used, such as limiting transactions by location or store type.
  • Get real-time data, tracking and insights into your credit card purchases.
  • Receive instant alerts about possible fraud and take action.

Download the Merchants Bank Credit Card App by searching for "Merchants Bank credit card" and selecting the app with the green icon by OnDot.

Merchants Bank Credit Card App Icon

For Android: Google Play Store.(opens confirmation to leave)

For Apple: App Store or iTunes. Supported on iOS 10.3 and higher only.

With Digital Wallet

Add your Merchants Bank credit card to your device's digital wallet for secure, convenient payments. A digital wallet is an app that gives you the ability to pay for in store and online purchases directly from your phone or tablet without needing your physical card.

Your digital wallet app will depend on the type of device you have (Apple or Samsung). Using the digital wallet app creates a unique, encrypted transaction each time you pay with a specific credit card.

Follow these steps to load your Merchants Bank card(s) into your digital wallet app on your smartphone or tablet:

Worry Free Car Rental for Family Vacation

Valk family on vacation in front of water fountain.When Kristine Valk planned her family vacation to South Carolina, she knew who to call about renting a car...and it wasn't who you might think. "I can book a car rental through the Travel Advantage rewards that come with my Merchants Bank Visa Scorecard Credit Card," said Valk. "It's so easy...you just call the 1-800 number and they take care of everything for you. One less thing to worry about when I'm booking our family trip." 

Not only does our Visa ScoreCard come with great benefits like Travel Advantage, but you can even earn free airline tickets, car rentals and more for your next trip. Points are earned automatically every time you shop and you can redeem them anytime at scorecardrewards.com. Learn more about the benefits of a Merchants Bank Credit Card below.

Merchants Bank Visa® ScoreCard Credit Cards FAQ

Click on a question below to view the answer.

To redeem your points for everything from movie tickets to a Caribbean cruise, login in to your account at www.scorecardrewards.com and start shopping.

For help activating ScoreMore bonus points, contact our Credit Card Department directly at (507) 457-1160. After bank hours, weekends, or holidays, please call 1-800-854-0790.


Plus, you can earn additional bonus points on your Visa® ScoreCard Credit Card at participating retailers online or in-store with ScoreMore. It’s easy...just shop at participating retailers online by:
  1. Starting at www.scorecardrewards.com
  2. Click on ScoreMore for a list of participating retailers. 
  3. Make your purchases using your Merchants Bank ScoreCard credit card. 
  4. You automatically earn bonus points. In-store shopping is just as easy.

We work with our trusted partner, Visa® Falcon Fraud Prevention Services, to monitor fraud trends and detect fraudulent transactions on your credit card accounts 24/7.

Our partner, Falcon, will call, text or email you in the event of a suspicious transaction. Falcon will make you aware that the call is being placed on behalf of Merchants Bank. If you cannot be reached after the first attempt, the Merchants Bank Credit Card Department will place a follow up call.

When our partner contacts you, they will ask you for some identifying information - such as the last four digits of your Social Security Number. They will never ask you for your full number. If you are uncomfortable and don't want to speak with our partner, please call the Merchants Bank Credit Card Department directly at (833) 794-0032 and verify the transaction or let us know that you did not make the purchase in question.

Yes. It’s important for you to contact Merchants before you leave to ensure the best service while you are out of town. If you make purchases in a state or country where you don't normally use your Merchants Bank debit or credit card, we may think these transactions are fraudulent unless we know otherwise. 

When contacting the Bank regarding your travel plans, we will ask for the following information:

  • Dates of your trip(s)
  • Exact travel locations
  • How we can contact you while you’re gone

If you have a Merchants Bank Debit Card or Credit Card - Please call us at (833) 794-0032 and ask to speak to a Customer Service Representative about your travel plans.

We strongly recommend that you carry more than one form of payment during your trip. Interruptions within any card network are always a very real possibility. Carrying multiple forms of payment reduces frustrations when trying to complete a needed purchase.

Yes, with our Redeem2Erase option you can apply points from eligible transactions to your credit balance to "erase" your bill. Watch this video or follow the steps below to learn how:
  1. Starting at www.scorecardrewards.com
  2. Click on Shop Rewards and choose Redeem2Erase from the menu.
  3. Click the Redeem2Erase logo icon on the page that appears.
  4. Click Go to Transactions.
  5. Choose the transactions (those between $20.00-$1,000.00 are eligible) you'd like to apply to your balance and click the Erase icon. Follow the steps to complete your points redemption. 
  6. The "erased" amount will appear on your credit card transactions as a credit within 1-2 business days.

† Merchants Bank Credit Card App is free, however, text or data charges may be imposed by your mobile provider. Check your plan for details. Your carrier may limit access outside the U.S
Merchants Bank Mobile Banking is free, however, text or data charges may be imposed by your mobile provider. Check your plan for details. Your carrier may limit access outside the U.S.