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Unlock the power of local living perfectly fit for your lifestyle while supporting your community, one purchase at a time!

The Card issuer, Pinnacle Bank, a Tennessee bank, d/b/a Apex Cardmember Services, headquartered in Nashville, TN (“Issuer”) is not a corporate affiliate of Pinnacle Bank, a Georgia state-chartered bank headquartered in Elberton, Georgia (“Pinnacle Bank, GA”). The Issuer is a separate and distinct financial institution from Pinnacle Bank, GA.

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Credit Cards
Card Features

World Mastercard®

  • Earn a $500 cash back bonus once you spend $5,000 on purchases within the first 90 days of account opening. (3)

  • Earn unlimited cash back with no minimum redemption amount. (2)

  • Earn 3% cash back on every dollar spent on travel and dining, 2% on gasoline and 1% on everything else. (2)(4)

  • Easily redeemable cash back for a direct deposit to your Pinnacle Bank account or statement credit to your credit card account.

Platinum Rewards Mastercard®

  • 0% INTRO APR for 12 months on balance transfers made within the first 60 days of account opening. After that, a variable rate, that is Prime +9.74% to Prime +15.74% APR applies, based on creditworthiness*. The APR will not exceed 23.99%.  A balance transfer fee of $10 or 3% of the amount of the transfer (whichever is greater) applies to each balance transfer. (1)

  • Enjoy a $50 cash back bonus once you spend $1,000 in the first three months. (3)

  • A great rewards card that gives you unlimited 1% cash back for every dollar you spend. (2)

  • Earn cash back rewards, redeem for a direct deposit to your checking account or statement credit to your credit card: you have the choice when it comes to redeeming your rewards, there is no limit to the cash back you can earn.  (2)

Credit Cards
Card Features

Platinum Mastercard®

  • 0% INTRO APR on purchases for the first 6 months and 0% INTRO APR for 12 months on balance transfers made within the first 60 days of account opening. After that, a variable rate, that is Prime +5.74% to Prime +13.74% APR applies, based on creditworthiness*. The APR will not exceed 23.99%.  A balance transfer fee of $10 or 3% of the amount of the transfer (whichever is greater) applies to each balance transfer. (1)

  • Lower APRs for those who revolve credit on other higher interest rate credit cards.

  • Simplify finances by consolidating balances.

Low Rate Platinum Mastercard®

  • No balance transfer fee for the first six months*; after that, a 1% fee, or minimum of $10, applies to all balance transfers. (1)

  • Take advantage of lower finance charges using our lowest APR card.*

  • Simplify finances by consolidating balances.

  • Our special variable APR offer allows you to transfer balances from higher interest rate credit cards to a card with a lower, more competitive APR.*

  • The low APR on our Low Rate Platinum credit card allows you to consolidate and pay off debt faster.*

Benefits

  • Customer service assistance 24 hours a day, 7 days a week

  • Multiple payment options, including automatic debit, online banking, the mobile app, in branch, by phone or by mail

  • Secure online access 24 hours a day, 7 days a week

  • Real time account access to view your balance, transactions, statements and payments via our secure credit card website

  • Mobile app features include the ability to turn the card off and on, request a balance transfer, make a payment and more

  • We are pleased to provide extra cards for other family members on your account at no additional cost

Get Your Card Today

Talk to our team to start earning rewards and enjoying the perks of our consumer credit cards!

Subject to credit approval. Ask for details.

Mastercard® is a registered trademark of Mastercard International Incorporated.

1. See Terms and Conditions for complete details. Balance Transfers are subject to available credit.

2. For details on Rewards Program, please visit https://pinnaclebank.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.

3. Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later. For details on Rewards Program, please visit https://pinnaclebank.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.

4. We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back, as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.

If you do not meet our criteria for the World card, you may be considered for the Mastercard® Platinum Rewards card.

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