Enjoy the convenience and protection of paying with a credit card.
Personal Credit Cards
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Get rewarded for every purchase you make.
Explore our credit cards to get rewarded for your purchases.
Key Features
Rewards Platinum
Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more.3
Cash Rewards Platinum
Earn 1% cash back on all net purchases.5
Platinum Edition
No penalty APR and low-interest rates*
Rewards Platinum Visa®
Earn one point per dollar on all net purchases. Choose from hundreds of merchandise, travel and activity options.3
Plus, you receive these great benefits:
- $150,000 Travel Accident Insurance2
- Free FICO® Score1
- 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
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.
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.
3See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
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.5
Plus, you receive these great benefits:
- $150,000 Travel Accident Insurance6
- Free FICO® Score1
- Cell Phone Protection8
- 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
5See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
6Coverage 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.
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.
8Certain 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.
Platinum Visa®
Earn your lowest APR and no annual fee.9 If you're looking for a no-frills card with a low rate, this is for you.
Plus, you receive these great benefits:
- $150,000 Travel Accident Insurance10
- Free FICO® Score1
- Cell Phone Protection12
- 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
9See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
10Coverage 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.
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.
12Certain 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.
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 Insurance14
- 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.
14Coverage 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.
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 discounts with AVIS and Budget, concierge services and much more.
- $1 Million Travel Accident Insurance15
- 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™ 16
15 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.
16No one can prevent all identity theft.
Excursion™ Visa Signature®
With our Excursion™ Visa Signature® credit card, you can earn $50 cash back when you spend $50021 in the first 60 days.
Plus, receive these great benefits.
- 0% Intro APR for the first 12 billing cycles on purchases and balance transfers. 18.24% - 24.24% variable APR after that.†
- $0 Intro fee for the first year, after that,$20, waived based on spend.†
- Earn 2% cash back on air travel, hotels, dining, and more.
- Get access to Visa Signature Luxury Hotel Collection22, rental car privileges through AVIS and Budget, concierge services20 and much more. Visit visa.com/signature for details.
- Free FICO® Score1 and Card Security18
- Safe and secure way to pay with Apple Pay™, Samsung Pay™ or Google Pay™
- Roadside Dispatch – roadside assistance
- Shipt - 3 months complimentary membership, then 9 months of membership at 50% off19
†See terms and conditions for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
††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.
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.
18No one can prevent all identity theft.
19Free delivery applies to orders over $35 as part of a Shipt membership. Orders with alcohol may incur a $7 alcohol fee. Additional terms apply. To see a full list of Offer Terms, visit shipt.com/offer-terms-for-visa.
20Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholders’ behalf.
21Receive a $50 statement credit when you spend $500 in purchases (minus returns) in the first 60 days of account opening using your Excursion Visa Signature credit card. When calculating the total spend, finance charges, fees, balance transfers, cash advances, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to your Account will not be included. Statement credit will be applied to your Account the following billing cycle. To be eligible for this offer, your Account must be open and in good standing (i.e., not cancelled, terminated by either party or otherwise not available for your use) at the time of credit posting. We reserve the right to debit your credit card account if subsequent returns reduce the total spend made on purchases during the first 60 days of account opening.
22Some restrictions and limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substantial benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.
††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.
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.
18No one can prevent all identity theft.
19Free delivery applies to orders over $35 as part of a Shipt membership. Orders with alcohol may incur a $7 alcohol fee. Additional terms apply. To see a full list of Offer Terms, visit shipt.com/offer-terms-for-visa.
20Cardholders are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardholders’ behalf.
21Receive a $50 statement credit when you spend $500 in purchases (minus returns) in the first 60 days of account opening using your Excursion Visa Signature credit card. When calculating the total spend, finance charges, fees, balance transfers, cash advances, ATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to your Account will not be included. Statement credit will be applied to your Account the following billing cycle. To be eligible for this offer, your Account must be open and in good standing (i.e., not cancelled, terminated by either party or otherwise not available for your use) at the time of credit posting. We reserve the right to debit your credit card account if subsequent returns reduce the total spend made on purchases during the first 60 days of account opening.
22Some restrictions and limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substantial benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.
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.
This promotion is for personal credit cards. A complete credit card application must be submitted in branch, online, or by mail to count for promotion. Consumer Cards: 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 6.75% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 16.74% and 26.74%, Platinum Edition APRs are currently between14.74% and 24.74%, Cash Rewards Platinum APRs are currently between 17.74% and 26.99%, and Visa Signature/World Mastercard APRs are currently between 16.49% and 22.49%. Rewards Platinum Cash Advance APR is currently 26.74%-28.24%, Platinum Edition Cash Advance APR is currently 24.74%-28.24%, Cash Rewards Platinum Cash Advance APRs are currently 27.74%-28.24%, and Visa Signature/World Mastercard Cash Advance APR is 25.49%. All APRs are based on creditworthiness. Rates are accurate as of January 30, 2026 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. Secured Credit Cards are not eligible for 0% Intro APR.
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