Personal Banking at republic bank

Personal Credit Cards

Better Cards for Better Lifestyles

At Republic Bank, we know one size doesn’t fit all, which is why we offer three credit cards designed to provide our clients with unique benefits that align with their needs.

Consumer Personal Credit Card through Republic Bank of Chicago

All Republic Bank credit cards include these FREE services:

  • EMV chips for added security
  • Digital access with Apple Pay™, Google Pay™, and Samsung Pay
  • Emergency card replacement
  • Auto rental collision damage waiver
  • Zero Liability fraud support
  • Travel and emergency assistance services
  • Travel accident insurance
  • Purchase security/extended protection
  • Roadside dispatch
  • Fraud alerts
  • Purchase alerts
  • Online account information at
  • Cardholder inquiry service
  • Lost or stolen card reporting
  • Verified by Visa


Visa® Platinum Cash Rewards

Put those purchases to work for you with a cash back rewards card.
  • Earn unlimited 1% cash back on every purchase, every day
  • $0 annual fee1
  • APR for purchases, balances transfers, and cash advances is a competitive 14.49%

Visa® Platinum Rewards

Travel, merchandise, gift cards, and more. You name it, you’ve got it.
  • Earn unlimited 1x rewards on every purchase, every day
  • $0 annual fee1
  • APR for purchases, balance transfers, and cash advances is a competitive 12.99%

Visa® Platinum

If you’re looking for a no-frills card with a low rate, you found it.
  • $0 annual fee1
  • APR for purchases, balance transfers, and cash advances is a competitive 10.99%

Click here for full terms and conditions of our credit cards.

Facts, Answers, and Questions

Getting approved takes 1-2 business days. When approved, your card should arrive within 7-10 business days.

Applicants with insufficient credit or poor credit history are welcome to apply with a co-applicant or guarantor.

Cardholders are entitled to at least 21 days from the time they receive their bill to pay off the new balance before incurring finance charges.  Finance charges will not apply on purchases if the account is paid in full during the grace period. Certain transactions, like cash advances, are not entitled to a grace period.

The fastest way to apply is with this link. You can also visit a branch and work with a banker.

Yes! Download SecurLock Equip from your device’s app store and follow the prompts to activate.

It's about more than debits and credits.

At Republic Bank, it’s important to us to provide you with the resources you need to have a bright financial future.

Explore our posts and learn more about credit score myths, savings strategies, the benefits of smaller local banks, and more.

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At Republic Bank, our bankers work hard to learn your story and become your advocate.

Get connected with us, and put Chicago’s hardworking bank to work for you today.

1Subject to credit approval. Cash Advance Fee is either $5 or 2% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee is up to 1% of each transaction in U.S. dollars.