Personal Banking

Credit Cards

0%* Intro APR for 18 billing cycles. Lake City Bank credit card offer

Get the credit and rewards you want with Lake City Bank credit cards. What do you want in a credit card? Points? Low rate? Our credit cards have you covered. Plus, they come with a variety of important features including EMV smart chip technology for added security and mobile purchasing capability for added convenience.

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Visa® Real Rewards Card and Visa® College Real Rewards Card

Watch your rewards add up even faster with 1.5 points for every $1 you spend on eligible net purchases1. Plus get 2,500 bonus reward points awarded after your first purchase2.

Cash Rewards American Express® Card

Earn cash back every time you use your card: 3% on gas3, 2% at supermarkets3, and 1% on all other eligible net purchases3, plus $25 cash back after your first purchase2.

Premier Rewards American Express® Card

Earn great rewards faster with 4X reward earnings on eligible net restaurant purchases4, 3X reward earnings on eligible net airline purchases, 2X reward earnings on eligible net gas purchases and 1X reward earnings on all other eligible net purchases. Plus, get 10,000 bonus rewards points after you spend $1,000 in the first 3 months2 and enjoy no foreign transaction fees – all with a low annual fee.

Global Entry or TSA Pre✓® is also included. You get automatic statement credit reimbursement for whichever program you apply for first.5 Upon approval, enjoy expedited travel screening at participating airports.

Visa® Platinum Card

Save on interest with an extended introductory rate and pay down other credit card balances faster.

Visa® Secured Card

Start building (or rebuilding) your credit history, even if you’ve been turned down for other credit cards, with flexible credit lines based on a security deposit and a low annual fee.

1Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
2Reward points can be redeemed as a cash deposit to a Lake City Bank checking or savings account only within seven business days or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. If you’re approved for a new Premier Rewards American Express Card, one-time bonus points will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
3Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each $0.01 in Cash Back Rewards earned is equal to 1 point You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12 month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.
4Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: service stations or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
5Certain limitations and restrictions may apply. For further details, refer to your Guide to Benefits, which will be provided to you with your Card.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.

Drop in one of our branch locations or call our One Call Center at (888) 522-2265 for more information or to apply for a credit card. Or:

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