Skip Navigation
FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Please be cautious of Impersonation Scams. We will never ask you to share your passwords, account numbers or sensitive information via phone, eMail or text message. If you have interacted with a suspicious call or message, call a Springs Valley team member at 800.843.4947.

Instant Issue Credit Cards

Personal Credit Card Services

Springs Valley Bank & Trust offers personal credit card services designed for everyday spending, rewards, and building credit, all backed by local Indiana banking support.

Log Into Online Account Personal Credit Card Application
Personal > Borrow > Credit Cards

Visa® Credit Cards

Get a contactless credit card on the spot. Visit any Springs Valley Banking Center, apply for a credit card, and if approved, you can walk out with your new card in hand, instantly. Card issuance timing is subject to system availability, identity verification, and final credit approval conditions.

Instant Issue Visa® Platinum

Enjoy competitive rates1 and credit limits along with top-notch customer service with our Visa® Platinum Credit Card. For current Annual Percentage Rates (APRs), fees, and other important terms, please review the credit card disclosure and application.

Instant Issue Visa® Platinum Rewards

Every time you use your Springs Valley Visa® Platinum Reward Credit Card you will earn points to redeem for merchandise, gift cards, or travel.  Rewards are subject to program terms, conditions, and limitations, including eligibility, expiration, and redemption restrictions. See the uChoose Rewards Program Terms for full details.

To learn more about uChoose Rewards® 2, click here. 

Effective February 1, 2021, your Springs Valley Bank & Trust Company credit card will no longer provide Auto Rental Collision Damage Waiver (ARCDW) benefits. All other card benefits (Roadside Dispatch®) will remain in place.

Contactless Payment Features

Springs Valley personal credit cards are enabled with contactless payment technology, allowing you to tap and pay at millions of locations with no card swipe required. 

How to tell whether your card is contactless - To check whether your Springs Valley card is contactless, just look for the contactless symbol on the front of your card by the EMV Chip. The contactless symbol is four curved lines that get bigger from left to right. You might notice that it looks similar to the Wi-Fi symbol. 

How to use a contactless card:

1. Look for the contactless symbol on the card reader. The four curved lines that appear on your card should also appear on contactless-enabled card readers.
2. When prompted, hold the card within one to two inches of the contactless symbol.
3. If your purchase is approved, you’ll receive confirmation, typically a beep, green light or check mark.

Contactless card security - Contactless cards are just as secure as chip cards at a chip-enabled register, and they’re even more secure than magnetic stripe payments. Each contactless transaction creates a unique, one-time code or password. This helps reduce security risks since the code can’t be used again and it can be read only by the card-processing network. No payment method is completely risk-free. Customers should monitor transactions and report unauthorized activity promptly.

Easy Access Line of Credit

If you find yourself needing extra cash, just access your Easy Access Line of Credit simply by writing a check for more than the balance in your account. The bank may advance funds up to your approved credit limit, subject to account terms and conditions. You decide when and where to write yourself a loan. It's that easy! Advances are treated as extensions of credit and may be subject to applicable interest rates, transaction fees, and repayment requirements as outlined in your account agreement.

 

Secured Credit Card

Springs Valley’s Secure Credit Card is offered as an alternative for customers who may not qualify for a traditional credit card or loan. The card is designed for customers who are looking to build or rebuild credit. A security deposit is required and will typically establish your credit limit. Additional terms and conditions apply.

Do You Have a Plan?

Let our Financial Advisory Group tailor a financial plan that meets your individual needs. 

FA Group

Springs Valley's Home Loan Options:

Loan Disclaimer: Loans for qualified applicants only. View Consumer or Mortgage loan rates online. For all other current rates, call one of our Loan Officers. Certain closing costs may apply. Lender is not affiliated with government agencies. Loans are subject to credit review and approval. Property insurance is required

1APRs, fees, margins, periodic rates, and other terms vary by credit card product and creditworthiness. For current APRs, fees, and terms, review the applicable Consumer Credit Card Application, Rates and Fees Table, and Credit Card Agreement before applying.

2uChoose Rewards® is a registered trademark of Fiserv, Inc.

FAQs About Personal Credit Card Services

What Personal Credit Cards Does Springs Valley Offer?

Springs Valley offers two Visa credit card options: the Instant Issue Visa® Platinum, which offers competitive rates and everyday purchasing power, and the Instant Issue Visa® Platinum Rewards, which earns points redeemable for merchandise, gift cards, and travel through the uChoose Rewards program.

Can I Get a Credit Card the Same Day I Apply?

Yes. Springs Valley issues Visa credit cards on the spot. Visit any Springs Valley banking center, apply in person, and if approved, walk out with your new credit card in hand on the same day. Card issuance timing is subject to system availability, identity verification, and final credit approval conditions.

What is the Secured Credit Card at Springs Valley?

The Springs Valley Secured Credit Card is designed for customers who want to build or rebuild their credit. It is offered as an alternative for those who may not qualify for a traditional credit card, and it works like a standard card while helping establish a positive credit history.

How Do I Earn Rewards on My Springs Valley Credit Card?

Every purchase made with the Visa® Platinum Rewards Credit Card earns points through the uChoose Rewards program. Points can be redeemed for merchandise, gift cards, or travel. Visit the uChoose Rewards page on the Springs Valley website for full details.

How Do I Apply for a Personal Credit Card with Springs Valley?

You can apply online by downloading the personal credit card application form from the Springs Valley website, or visit any Springs Valley banking center in French Lick, Jasper, Washington, Princeton, or Paoli for in-person assistance.

Start Your Journey with Springs Valley Today

Ready to apply for personal credit card services with a community bank that knows you? Springs Valley makes the process simple. Download the application online or visit any of our banking centers near you in French Lick, Jasper, Washington, Princeton, or Paoli. Our team is here to help you find the right card for your needs.

Talk to an Expert Schedule Appointment