Personal Credit Cards

Enjoy the convenience and protection of paying with a credit card.







Platinum Credit Cards

Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits.
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Rewards Platinum

Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more.4
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Cash Rewards Platinum

Earn 1% cash back on all net purchases.4
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Platinum Edition

No penalty APR and low-interest rates*




Visa Signature® 

Our Visa Signature® credit card is a card that goes beyond ordinary rewards. Earn 30,000 bonus points when you spend $2,500 in the first 3 months.

Plus, receive competitive rates* with exclusive perks and great benefits.
  • Earn 1.5 points per dollar on net purchases
  • Access to Visa Signature Luxury Hotel Collection, rental car privileges with Silvercar by Audi, concierge services and much more.
  • $1 Million Travel Accident Insurance1
  • Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
  • Zero Fraud Liability and Fraud Monitoring
  • Email and Text Fraud Alerts
  • ID Navigator Powered by NortonLifeLock™ 2

 
1 Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
2No one can prevent all identity theft.


Secured Platinum Visa® 

Our Secured Credit Card* is the perfect solution if you are looking to build or re-build your credit. It works like any other credit card, except it requires a security deposit which is held as collateral for your account.

Plus, you receive these great benefits:
  • Graduation Eligibility: With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months.
  • Free FICO® Score1
  • $150,000 Travel Accident Insurance2 
  • Fraud Monitoring & Zero Fraud Liability
  • Text & Email Fraud Alerts
  • Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
  • 24/7, U.S.-based Customer Service

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible. 2Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered West Shore Bank credit card. To learn more about this benefit or to file a claim, visit the FAQ section at www.cardbenefitservices.com or call 866-894-8569. 3In order to access rewards, your account must be open and in good standing.
 
2Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.


Platinum Edition Visa® 

Enjoy our lowest APR and no annual fee.If you're looking for a no-frills card with a low rate, this one is for you.

Plus, you receive these great benefits:
  • $150,000 Travel Accident Insurance2 
  • Free FICO® Score3
  • Cell Phone Protection4
  • Fraud Monitoring & Zero Fraud Liability
  • Text & Email Fraud Alerts
  • Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
  • 24/7, U.S.-based Customer Service
 
1See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

2Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
3FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
4Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.
 
 

Cash Rewards Platinum Visa® 

Enjoy unlimited 1% cash back rewards with no annual fee.1

Plus, you receive these great benefits:

  • $150,000 Travel Accident Insurance2 
  • Free FICO® Score3
  • Cell Phone Protection4
  • Fraud Monitoring & Zero Fraud Liability
  • Text & Email Fraud Alerts
  • Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
  • 24/7, U.S.-based Customer Service
1See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
2Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
3FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
4Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.

Rewards Platinum Visa® 

Earn one point per dollar on all net purchases. Choose from hundreds of merchandise, travel and activity options.

Plus, you receive these great benefits:

  • $150,000 Travel Accident Insurance2
  • Free FICO® Score3
  • Cell Phone Protection4
  • Fraud Monitoring & Zero Fraud Liability
  • Text & Email Fraud Alerts
  • Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
  • 24/7, U.S.-based Customer Service
1See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
2Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
3FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
4Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.


Apply for a New Credit Card from West Shore Bank!


West Shore Bank has been Making a Difference Since 1898. For over a century, we have remained committed to helping the people and businesses along the lakeshore to improve their financial well-being. Apply online to open a new personal credit card or visit one of our nine Michigan locations in Ludington, Frankfort, Hart, Manistee, Onekama, Scottville, or Traverse City.
 
*0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 5.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 12.24% and 22.24%, Platinum Edition APRs are currently between 11.24% and 21.24%, and Cash Rewards Platinum APRs are currently between 15.24% and 25.24%. Rewards Platinum Cash Advance APR is currently 24.24%, Platinum Edition Cash Advance APR is currently 24.24%, and Cash Rewards Platinum Cash Advance APRs are currently 24.24%-27.24%. All APRs are based on creditworthiness. Rates are accurate as of September 1, 2022 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A.

1 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible. 2 Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569. 3 Coverage applies when -the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply. 4In order to access rewards, your account must be open and in good standing.

























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