Credit Cards

Why Andrews?

  • Competitive Rates
  • Flexible Terms
  • Outstanding Benefits

Need to make a payment?  Great news!  You can now pay by transferring funds directly from your account. 

Plus, credit card payments received by 5:00 p.m. (EST) are applied on the same day!

To view the payment amount:

  1. Log into SmartConnect Online Banking
  2. Select Credit Card

ATM/Debit Card & Reloadable Options

Titanium Rewards

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Introductory Rate
0% APR for 12 months on purchases and balance transfers processed within 90 days of account opening date.

Rate
Variable
5.99% - 18.00% APR

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year.  We take that Prime Rate and add your variable rate margin (2.74%) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January).  If the Prime Rate has not changed, your rate will not change.  Your rate can not change more than once per year, and it cannot exceed 18.00% APR.

Credit Limits
$10,000 to $50,000

Will my Card be EMV Chip and PIN Enabled?
Yes

Can I select my own PIN number (or change it)?
Yes by calling 1.888.886.0083

Rewards

  • Bonus Points: 7,500 points with $500 purchase within the first 90 days card is opened
  • Gas and Grocery points:  Earn 3X points per $1.00 spent
  • Earn 1.5X points per $1.00 spent on all other purchases
  • Points can be redeemed for Cash

Annual Fees
$59.00, waived for the first year

Balance Transfer Fees
1.50% of transfer amount

Foreign Transaction Fees
None

Late Charges
$25.00

What are my options for making my payment?

  • Make payments from your Andrews savings or checking account online or in mobile banking
  • Schedule recurring payments from your Andrews or other bank account
  • Make payments at any branch location
  • Mail your payments

Platinum Rewards

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Rate

Variable
7.99% - 18.00% APR

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year.  We take that Prime Rate and add your variable rate margin (4.74%, 8.74% or 11.74% depending on your credit) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January).  If the Prime Rate has not changed, your rate will not change.  Your rate can not change more than once per year, and it cannot exceed 18.00% APR.

Credit Limits
$1000 to $50,000

Will my Card be EMV Chip and PIN Enabled?
Yes

Can I select my own PIN number (or change it)?
Yes by calling 1.888.886.0083

Rewards

  • Bonus Points: 5,000 points with first purchase
  • Earn 1 point per $1.00 spent


Annual Fees
None

Balance Transfer Fees
None

Foreign Transaction Fees
None

Late Charges
$25.00

What are my options for making my payment?
Make payments from your Andrews savings or checking account online or in mobile banking

  • Schedule recurring payments from your Andrews or other bank account
  • Make payments at any branch location
  • Mail your payments

Secured

Apply

Introductory Rate
N/A

Rate
Variable
14.50% - 18.00% APR

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on the 15th day of each December, March, June and September during the calendar year.  We take the published Prime Rate and add your variable rate margin (11.25%) to determine your rate for the following quarter, which becomes effective as of the 1st day of the next billing cycle in January, April, July, and October. If the Prime Rate has not changed, your rate will not change. Your rate can not change more than four times per year, and it cannot exceed 18.00%.

Credit Limits
$500 to $10,000

Will my Card be EMV Chip and PIN Enabled?
Yes

Can I select my own PIN number (or change it)?
Yes by calling 1.888.886.0083

Rewards

  • Bonus Points: 5,000 points with first purchase
  • Earn 1 point per $1.00 spent


Annual Fees
None

Balance Transfer Fees
None

Foreign Transaction Fees
None

Late Charges
$25.00

What are my options for making my payment?

  • Make payments from your Andrews savings or checking account online or in mobile banking
  • Schedule recurring payments from your Andrews or other bank account
  • Make payments at any branch location
  • Mail your payments

Business Rewards

Contact Us

Introductory Rate
3.25% APR for the first 12 months

Rate
Variable
9.25% - 18.00% APR

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year.  We take that Prime Rate and add your variable rate margin (6.00%) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January).  If the Prime Rate has not changed, your rate will not change.  Your rate can not change more than once per year, and it cannot exceed 18.00% APR.

Credit Limits
$1000 to $50,000

Will my Card be EMV Chip and PIN Enabled?
No

Can I select my own PIN number (or change it)?
Yes by calling 1.888.886.0083

Rewards
Earn 1 point per $1.00 spent

Annual Fees
$99.00, waived for the first year

Balance Transfer Fees
None

Foreign Transaction Fees
1.00% of each transaction (in US Dollars)

Late Charges
$35.00
Additionally, if the account goes past due 60 days or more, a penalty rate of 17.99% APR will apply to the outstanding balance, until 6 consecutive payments are made on time.

What are my options for making my payment?

  • Make payments from your Andrews savings or checking account online or in mobile banking
  • Schedule recurring payments from your Andrews or other bank account
  • Make payments at any branch location
  • Mail your payments

APRs (Annual Percentage Rate) listed are the lowest available rates.  Rates, terms and conditions may vary based on creditworthiness and other qualifications and are subject to change.  Subject to credit approval.  Additional restrictions may apply.