Credit Cards

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A community bank with a credit card to fit your needs? That's us. We offer a variety of Visa® credit cards to reward you for your spending based on your lifestyle. Want a straight-forward card with a low interest rate? Check out our Simple Card. Looking for rewards? Check out our Passport Card for cash back, travel points, gift cards and more. Best of all, every Forcht Bank credit card comes with the ability to set real-time usage alerts, set spending limits, and even control your card status by turning it off and on, all through the Forcht Bank Mobile Banking App.

Happier Shopping Starts Here

*Effective as of 1/1/2025

	Simple VISA Card	Passport VISA Card	iStudent VISA Card	Reserve Credit Card
Annual Fee	No Fee	No Fee	No Fee	$295.00
Limited Time Intro Rate	0% APR for first 5 months
Ongoing APR¹	After intro period, variable APR will be 14.50% to 18.50%, based on creditworthiness	Variable APR will be 19.50% to 25.50%, based on creditworthiness	Variable APR will be 21.50% to 25.50%, based on creditworthiness	Variable APR will be 19.50% to 25.50%, based on creditworthiness
Rewards²
Customized Card Design	Yes	Yes	Yes	No
Travel Accident Insurance
Lost Luggage Insurance
Retail Warranty Extensions
Fraud Protection
Balance Transfers

¹The prime rate used to determine your APR is the rate published in the Wall Street Journal as of the last business day of each month. Any change in this index will cause your APR to change on the first day of the month, following a prime rate change on or before the tenth of the prior month. Rates are accurate as of January 2025. HOW WE CALCULATE YOUR BALANCE: We use a method called "average daily balance (including new purchases). An explanation of this method is provided in your account agreement. BILLING RIGHTS: Information on your rights to dispute transactions and how to exercise those rights is provided with your account agreement. OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

²1 reward point is earned for every $1 spent in qualifying net purchases (purchases minus returns/credits) on the uChoose Rewards Account. Certain transaction and reward restrictions may apply. iSTUDENT CREDIT CARD REWARDS: spend $1 = 1.5 rewards points apply to purchases at book stores, school supplies, school expenses and sporting events; spend $2 = 1 reward point on all other purchases. Refer to the Forcht Bank uChoose Rewards Program Terms and Conditions for details.

Simple VISA Card

Our Simple VISA Card comes with an introductory 0% Annual Percentage Rate for the first 5 months, low interest rate, fraud protection, no annual fees and more.

Download ApplicationFor a Simple VISA Credit Card

Passport VISA Card

Where will your Passport VISA Card take you? Enjoy rewards including restaurants, gift cards, travel, cashback and more with uChoose Rewards.

Download ApplicationFor a Passport VISA Card

iStudent VISA Card

Reserved for students, this credit card is designed to help build student credit with no annual fee. Students can also enjoy uChoose Rewards perks including gift cards, restaurants, cashback, and more.

Download ApplicationFor an iStudent VISA Card

Reserve Credit Card

Our most exclusive credit card is sleek and earns you cashback on every qualifying purchase. Protect your card with the Forcht Bank Mobile Banking app with alerts and fraud control, allowing you to turn your card on and off.

Download ApplicationFor our Reserve Credit Card

uChoose Rewards

Reward yourself for your everyday purchases when you use your Forcht Bank Credit Card¹. Redeem points towards gift cards, travel, concert tickets, and cash back! Sign up now or login to your uChoose Rewards account. Questions? Dial 1-855-634-1606 to reach our uChoose Rewards Customer Service Team. They will be able to quickly assist you with any questions you experience with your account or the website, as well as assist you in redeeming your points for rewards right over the phone. Learn more information on uChoose Reward's terms and conditions.

Visa and Visa Signature are registered trademarks of Visa International Service Association, and are used by the issuer pursuant to license from Visa U.S.A. Inc.