Our Visa® Credit Cards offer:

  • Competitive rates with a 0% APR introductory rate for the first six months and an every day rate of 9.99% APR after that. View disclosures.
  • Local service from our Credit Card department in Winona, MN, not halfway around the world.
  • Worldwide acceptance.
  • Flexible payment options.
  • Fraud detection and alerts 24/7.
  • Travel benefits, including up to $150,000 insurance when used to purchase travel fare and more.
  • ScoreMore bonus points.

Please scroll left and right to view the rest of the table.
Account Features Visa® Classic with ScoreCard SM Rewards Visa® Platinum with ScoreCard SM Rewards Visa® Platinum Cash Back
Earn Rewards 1 point for every $1 spent 5 1 point for every $1 spent 5 Up to 1% cash back on all purchases
Low Introductory APR
On purchases, balance transfers and cash advances. 
Introductory rate will be 0% APR, fixed for six months,
from the account opening date.
0% 1 0% 1 0% 1
APR after 6 Months 9.99% 2,3
9.99% 2,3 9.99% 2,3
Annual Fee None None $30
Free Falcon Fraud Detection Checkmark in table
Checkmark in table
Checkmark in table
Additional Benefits
Enrollment is automatic for card holders.
Travel Advantage Benefits
enter ID #5805
Complete Advantage Benefits
enter ID #5810
Complete Advantage Benefits
enter ID #5810
Agreements & Application links View Terms/Agreement

Apply Now

View Terms/Agreement

Apply Now

View Terms/Agreement

Apply Now

Merchants Bank Visa® Score Card Credit Cards FAQ

Click on a question below to view the answer.

To redeem your points for everything from movie tickets to a Caribbean cruise, login in to your account at www.scorecardrewards.com and start shopping.


For help activating ScoreMore bonus points, contact our Credit Card Department directly at (507) 457-1160. After bank hours, weekends, or holidays, please call 1-800-854-0790.

Earn additional bonus points on your Visa® Score Card Credit Card at participating retailers online or in-store with Score More. It’s easy...just shop at participating retailers online by:

  1. Starting at www.scorecardrewards.com.
  2. Click on ScoreMore for a list of participating retailers.
  3. Make your purchases using your Merchants Bank ScoreCard credit card.
  4. You automatically earn bonus points. In-store shopping is just as easy.

We work with our trusted partner, Visa® Falcon Fraud Prevention Services, to monitor fraud trends and detect fraudulent transactions on your credit card accounts 24/7.

Our partner, Falcon, will call you in the event of a suspicious transaction. Falcon will make you aware that the call is being placed on behalf of Merchants Bank. If you cannot be reached after the first call, the Merchants Bank Credit Card Department will place a follow up call.

When our partner calls you, they will ask you for some identifying information - such as the last four digits of your Social Security Number. They will never ask you for your full number. If you are uncomfortable and don't want to speak with our partner, please call the Merchants Bank Credit Card Department directly at (507) 457-1160 and verify the transaction or let us know that you did not make the purchase in question.

Yes. It’s important for you to contact Merchants before you leave to ensure the best service while you are out of town. If you make purchases in a state or country where you don't normally use your Merchants Bank debit or credit card, we may think these transactions are fraudulent unless we know otherwise. 

When contacting the Bank regarding your travel plans, we will ask for the following information:

  • Dates of your trip(s) 
  • Exact travel locations 
  • How we can contact you while you’re gone 

If you have a Merchants Bank Debit Card or Credit Card - Please call us at (800) 944-6285 and ask to speak to a Customer Service Representative about your travel plans. 

We strongly recommend that you carry more than one form of payment during your trip. Interruptions within any card network are always a very real possibility. Carrying multiple forms of payment reduces frustrations when trying to complete a needed purchase.