Overview
Credit Cards
FSCB credit cards are designed to reward the way you actually spend — groceries, gas, dining, and everyday purchases. With no annual fees, competitive rates, and rewards that never expire, our cards are a smart choice for every wallet.
FDIC Insured to $250,000
Your deposits are federally insured for complete peace of mind.
Bank-Grade Security
256-bit encryption and multi-factor authentication on every login.
Local Human Support
Real bankers available by phone, in-branch, or online chat.
Features
Everything you need, nothing you don't
Up to 3% Cashback
Earn 3% on groceries and gas, 2% on dining, and 1% on all other purchases — automatically.
No Annual Fee
Our Community Rewards Card comes with zero annual fee. Keep the rewards, ditch the cost.
0% Intro APR — 12 Months
Pay no interest on purchases for the first 12 months. Great for large purchases or balance transfers.
Free Credit Score Monitoring
Check your credit score for free anytime in the mobile app — no impact to your credit.
Fraud Protection
24/7 fraud monitoring with real-time alerts. Zero liability on unauthorized purchases.
Contactless & Digital Wallet
Tap to pay with your physical card or add to Apple Pay, Google Pay, or Samsung Pay.
Account Options
Choose the right account for you
Community Card
Monthly Fee$0/yr
MinimumGood credit
Yield / Rate1% on all purchases
IncludedNo foreign txn fee
Get StartedMost Popular
Rewards Card
Monthly Fee$0/yr
MinimumGood–Excellent
Yield / RateUp to 3% cashback
IncludedNo foreign txn fee
Get StartedAPR varies based on creditworthiness. See card agreement for full details.
How It Works
Get started in 3 simple steps
1
Apply in Minutes
Complete your application online or in-branch. Get a decision in seconds in most cases.
2
Receive Your Card
Your card arrives in 7–10 business days. Activate instantly and start earning rewards.
3
Earn and Redeem
Cashback is credited to your statement automatically each month. No redemption hoops.
Ready to open your account?
Join 17,000+ community members who trust FSCB for their everyday banking needs.
Apply for a Credit CardTalk to a bankerFAQ
Common questions
Do my rewards expire?
No — your cashback rewards never expire as long as your account is open and in good standing.
Can I use my card internationally?
Yes. Both cards carry no foreign transaction fees, so you're free to spend abroad without surcharges.
How do I report a lost or stolen card?
Lock your card instantly in the FSCB mobile app, then call our 24/7 card services line to request a replacement.
How long does a balance transfer take?
Balance transfers typically post within 5–7 business days after your application is approved.
Start banking smarter today
Open your account online in minutes or visit any FSCB branch to speak with a local banker.