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Enjoy a simple easy to use boost to your spending power.
Our credit cards offer benefits and features to meet a variety of financial needs.  Carry a credit card designed to meet your spending needs, from no annual fees to rewards and cash back.  Take a look at what each has to offer and decide which one is right for you.  
 

Choose the right card for you.

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Mastercard™
Community Rewards+		 Mastercard™ Community Rewards Mastercard™ Community Secured
Overview Score our best rates, along with both cash back and rewards, when you maintain a CBTC Platinum, Elite or Perks @Work Checking Account. Every time you buy, you get paid too—with cash back and rewards. Earn even more when you shop at Perks merchants. Swipe and build. Every purchase improves your credit profile.
Rewards 2 points for every dollar spent at Perks Merchants and 1 point for every dollar spent on all other purchases. Rewards can be applied as a credit to an outstanding balance. 2 points for every dollar spent at Perks Merchants and 1 point for every dollar spent on all other purchases. Rewards can be applied as a credit to an outstanding balance. N/A
APR* 11.40% 14.40% 22.40%
Introductory APR1 0.00% for 6 months1 N/A N/A
Annual Fee $0.00 $0.00 $0.00
Cash Advance APR 24.99% 24.99% 24.99%
Balance Transfer Fee 3% of the balance transfer amount 3% of the balance transfer amount 3% of the balance transfer amount
Balance Transfer APR2 6 months 0.00%2 6 months 0.00%2 6 months 0.00%2
Late Payment Up to $39.00 Up to $39.00 Up to $39.00
Returned Payment $39.00 $39.00 $39.00
Overlimit Fee N/A N/A N/A

*This APR will vary with the market based on the Prime Rate. Rates are effective as of 3/21/2023. 

10% Introductory Rate for Mastercard Community Rewards+ customers for 6 months from the date of account opening. After that, as of 3/21/2023 the APR will be 11.40% for Mastercard Community Rewards+ customers, as listed above. This APR will vary with the market based on the Prime Rate.
20% Balance Transfer Rate for 6 months from the date of balance transfer. After that, as of 3/21/2023 the APR will be 11.40% for Mastercard Community Rewards+ customers, 14.40% for Mastercard Community Rewards customers and 22.40% for Mastercard Community Secured customers, as listed above. This APR will vary with the market based on the Prime Rate.

Mastercard Community Rewards+ and Mastercard Community Rewards Credit Card customers will earn 1 Reward Point for each dollar of eligible net purchases made with your CBTC Mastercard Credit Card within a billing cycle. Mastercard Community Rewards+ and Mastercard Community Rewards Credit Card customers will earn 2 Reward Points for each dollar of eligible net purchases made at Community Bank of the Chesapeake Perks Merchants with your CBTC Mastercard credit card within a billing cycle. Reward Points do not expire. Rewards can be applied as a credit to an outstanding balance (statement credit). Rates for reward accumulation options may vary and are subject to change without notice.  

Please see the Terms and Conditions for full account terms.