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Personal Credit Card

A Credit Card That Works for You

At Decatur County Bank, we believe your credit card should offer more than just purchasing power—it should work for you. That’s why we offer a range of credit cards designed to fit your lifestyle, whether you want everyday rewards, cash back or premium travel benefits.

With the Decatur County Bank Platinum Collection, along with our World and World Elite Mastercard® options, you can enjoy the convenience of a global network while banking with the people you know and trust. Stop in and apply today, or click the link below to apply online!*

Get 0% APR for 12 months on purchases, balance transfers and cash advances when you open a new consumer credit card.**

World Elite Mastercard®

For those who want premium perks and exclusive benefits:

  • Earn points or cash back on every purchase
  • No foreign transaction fees
  • 25,000 bonus points upon enrollment
  • Mastercard® ID Theft Protection™ & Zero Liability Protection
  • HealthLock membership for added security
  • Exclusive travel perks, including:
    • Booking.com discounts
    • ResortPass credits
    • Mastercard® Travel & Lifestyle Services
    • Concierge service
    • Mastercard® Travel Rewards®
  • Premium benefits like:
    • Peacock subscription credits
    • Instacart free trial and credit
    • Lyft ride credits
    • Alo Moves subscription credits
  • $299 annual fee | $49 per additional card

World Mastercard®

A great choice for those who want everyday benefits with a lower annual fee:

  • Earn points or cash back
  • No foreign transaction fees
  • 25,000 bonus points upon enrollment
  • Mastercard® ID Theft Protection™ & Zero Liability Protection
  • HealthLock membership
  • Travel perks, including Booking.com savings and ResortPass credits
  • Peacock subscription credits, Instacart free trial and Lyft ride credits
  • $35 annual fee | $29 per additional card

Platinum Preferred Mastercard®

For those who want rewards with no annual fee:

  • Earn unlimited one point per dollar spent
  • 25,000 bonus points upon enrollment
  • Mastercard® ID Theft Protection™ & Zero Liability Protection
  • HealthLock membership
  • Booking.com savings and Priceless Experiences
  • MoviePass discount
  • No annual fee

Platinum Payback Mastercard®

A simple, straightforward option that earns cash back:

  • 1% cash back on every purchase
  • No annual fee
  • Mastercard® ID Theft Protection™ & Zero Liability Protection
  • HealthLock membership
  • Booking.com savings and Priceless Experiences
  • MoviePass discount

Platinum Mastercard®

A no-fuss card with essential benefits:

  • No annual fee
  • Mastercard® ID Theft Protection™ & Zero Liability Protection
  • HealthLock membership
  • Booking.com savings and Priceless Experiences
  • MoviePass discount

Applying is simple! Stop by any Decatur County Bank location, give us a call at 731-852-2821 or apply online!

 

Apply for a Credit Card

*Certain terms, conditions, and exclusions apply. For full coverage details, contact Decatur County Bank or call 1-800-MASTERCARD. Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

 

**Effective 1/9/25: 0% introductory APR for the first 12 months on purchases, balance transfers, and cash advances. After that, the variable APR will range from 15.24% to 24.24% for purchases and balance transfers, and 18.99% to 28.24% for cash advances, based on creditworthiness.
Balance transfers: $10 or 4% of the transfer amount, whichever is greater. Fee applies even during the introductory APR period.
Cash advances: $10 or 5% of the advance, whichever is greater. Fee applies even during the introductory APR period.
Annual fees: Platinum Cards – $0 | World – $35 ($29 per additional card) | World Elite – $299 ($49 per additional card). Annual fees are charged when your card is first issued and again each year on your account anniversary. These fees will appear on your first statement and are not refundable, except as required by law.
Foreign transaction fees may apply. See terms and conditions for full rate and fee details. Offer may change or be withdrawn at any time.