Personal Credit Cards

Enjoy the convenience and protection of paying with a credit card.

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Get rewarded for every purchase you make.

Explore our credit cards to get rewarded for your purchases,

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Key Features

Rewards Platinum

Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more.⁴

Cash Rewards Platinum

Earn 1% cash back on all net purchases.⁴

Platinum Edition

No penalty APR and low-interest rates*

Do high credit card balances have you down?

Open a new West Shore Bank credit card and get a Special Intro Purchase and Balance Transfer APR offer!^{1, 2, 3} Click here to learn more or stop by a branch today!

**Note, “Special Intro Purchase and Balance Transfer APR” is a trigger term. If you use this website language, you must include the following disclosures based on what cards you offer.

¹Consumer Cards: 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 7.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 17.49% and 27.49%, Platinum Edition APRs are currently between 15.49% and 25.49%, Cash Rewards Platinum APRs are currently between 18.49% and 27.74%, and Visa Signature/World Mastercard APRs are currently between 17.24% and 23.24%. Rewards Platinum Cash Advance APR is currently 27.49%-28.99%, Platinum Edition Cash Advance APR is currently 25.49%-28.99%, Cash Rewards Platinum Cash Advance APRs are currently 28.49%-28.99%, and Visa Signature/World Mastercard Cash Advance APR is 26.24%. All APRs are based on creditworthiness. Rates are accurate as of January 31, 2025 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A. Secured Credit Cards are not eligible for 0% Intro APR.

² Excursion™ Visa Signature®: 0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 7.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Excursion™ Visa Signature® APRs are currently between 18.74%-25.74%. Excursion Visa Signature Cash Advance APR is currently 28.74%-28.99%. All APRs are based on creditworthiness. Rates are accurate as of January 31, 2025 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. The Excursion Visa Signature intro annual fee is $0 for the first year. After that, the annual fee is $20; it will be waived if annual net spend for the preceding 12 months is $15,000.00 or greater. If annual net spend is not met, $20 will be charged on the 13th billing cycle and annually thereafter. When calculating annual net spend, finance charges, fees, balance transfers, cash advances, ATM withdrawals, or insurance charges posted to your Account will not be included. Subject to credit approval. This card is issued by TCM Bank, N.A.

³Balance transfer fees will be waived and applied as a statement credit to your account. Balance transfer transaction must be made by April 30, 2025 to qualify for this offer. Credit will appear on your statement on the following cycle. Credit may take two cycles to appear.

Rewards Platinum Visa®

Earn one point per dollar on all net purchases. Choose from hundreds of merchandise, travel and activity options.

^{Plus, you receive these great benefits:}

$150,000 Travel Accident Insurance²
Free FICO® Score³
Cell Phone Protection⁴
Fraud Monitoring & Zero Fraud Liability
Text & Email Fraud Alerts
Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
24/7, U.S.-based Customer Service

learn more about our rewards platinum visa

¹See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

²Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

³FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

⁴Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.

Cash Rewards Platinum Visa®

Enjoy unlimited 1% cash back rewards with no annual fee.¹

^{Plus, you receive these great benefits:}

$150,000 Travel Accident Insurance²
Free FICO® Score³
Cell Phone Protection⁴
Fraud Monitoring & Zero Fraud Liability
Text & Email Fraud Alerts
Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
24/7, U.S.-based Customer Service

learn more about our cash rewards platinum visa

¹See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

Platinum Visa®

Earn your lowest APR and no annual fee.¹ If you're looking for a no-frills card with a low rate, this is for you.

^{Plus, you receive these great benefits:}

$150,000 Travel Accident Insurance²
Free FICO® Score³
Cell Phone Protection⁴
Fraud Monitoring & Zero Fraud Liability
Text & Email Fraud Alerts
Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
24/7, U.S.-based Customer Service

learn more about our platinum visa®

¹See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

Secured Platinum Visa®

Our Secured Credit Card* is the perfect solution if you are looking to build or re-build your credit. It works like any other credit card, except it requires a security deposit which is held as collateral for your account.

Plus, you receive these great benefits:

Graduation Eligibility: With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months.
Free FICO® Score¹
$150,000 Travel Accident Insurance²
Fraud Monitoring & Zero Fraud Liability
Text & Email Fraud Alerts
Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
24/7, U.S.-based Customer Service

learn more about the secured platinum visa

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

¹FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible. 2Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered West Shore Bank credit card. To learn more about this benefit or to file a claim, visit the FAQ section at www.cardbenefitservices.com or call 866-894-8569. 3In order to access rewards, your account must be open and in good standing.

Visa Signature®

Our Visa Signature® credit card is a card that goes beyond ordinary rewards. Earn 30,000 bonus points when you spend $2,500 in the first 3 months.

Plus, receive competitive rates* with exclusive perks and great benefits.

Earn 1.5 points per dollar on net purchases
Access to Visa Signature Luxury Hotel Collection, rental car discounts with AVIS and Budget, concierge services and much more.
$1 Million Travel Accident Insurance¹
Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
Zero Fraud Liability and Fraud Monitoring
Email and Text Fraud Alerts
ID Navigator Powered by NortonLifeLock™ ²

Learn more about the Visa Signature® credit card

¹ Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

²No one can prevent all identity theft.

Excursion™ Visa Signature®

With our Excursion™ Visa Signature® credit card, you can earn $50 cash back when you spend $500⁵ in the first 60 days.

Plus, receive these great benefits.

0% Intro APR for the first 12 billing cycles on purchases and balance transfers. 18.24% - 24.24% variable APR after that.^†
$0 Intro fee for the first year, after that,$20, waived based on spend.^†
Earn 2% cash back on air travel, hotels, dining, and more.
Get access to Visa Signature Luxury Hotel Collection⁶, rental car privileges through AVIS and Budget, concierge services and much more. Visit visa.com/signature for details.
Free FICO® Score¹ and Card Security
Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
Roadside Dispatch – roadside assistance
Shipt - 3 months complimentary membership, then 9 months of membership at 50% off³

Learn more about the EXCURSION™ Visa Signature® credit card

^†See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
^††Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
¹FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
²No one can prevent all identity theft.
³Free delivery applies to orders over $35 as part of a Shipt membership. Orders with alcohol may incur a $7 alcohol fee. Additional terms apply. To see a full list of Offer Terms, visit shipt.com/offer-terms-for-visa.
⁴Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholders’ behalf.
⁵Receive a $50 statement credit when you spend $500 in purchases (minus returns) in the first 60 days of account opening using your Excursion Visa Signature credit card. When calculating the total spend, finance charges, fees, balance transfers, cash advances, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to your Account will not be included. Statement credit will be applied to your Account the following billing cycle. To be eligible for this offer, your Account must be open and in good standing (i.e., not cancelled, terminated by either party or otherwise not available for your use) at the time of credit posting. We reserve the right to debit your credit card account if subsequent returns reduce the total spend made on purchases during the first 60 days of account opening.
⁶Some restrictions and limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substantial benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.

Apply for a New Credit Card from West Shore Bank!

West Shore Bank has been Making a Difference Since 1898. For over a century, we have remained committed to helping the people and businesses along the lakeshore to improve their financial well-being. Apply online to open a new personal credit card or visit one of our nine Michigan locations in Ludington, Frankfort, Hart, Manistee, Onekama, Scottville, or Traverse City.

*0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 5.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 12.24% and 22.24%, Platinum Edition APRs are currently between 11.24% and 21.24%, and Cash Rewards Platinum APRs are currently between 15.24% and 25.24%. Rewards Platinum Cash Advance APR is currently 24.24%, Platinum Edition Cash Advance APR is currently 24.24%, and Cash Rewards Platinum Cash Advance APRs are currently 24.24%-27.24%. All APRs are based on creditworthiness. Rates are accurate as of September 1, 2022 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A.

¹ FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible. 2 Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569. 3 Coverage applies when -the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply. 4In order to access rewards, your account must be open and in good standing.

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