Personal

MasterCard® Credit Cards

We remain committed to our customers and communities. With our consumer credit cards, you can feel good about your purchases. Whether you carry a credit card balance and want to pay down debt, enjoy being rewarded for your everyday purchases, or want exclusive benefits and travel rewards, we have the credit card for you.

Our Mastercard® credit cards offer low APRs and exclusive rewards designed to meet your financial needs. All of our cards carry Mastercard protections and benefits such as price protection, extended warranties, and rental car insurance.

 

Mastercard® Platinum

Enjoy our lowest introductory APR offer


Variable risk-based pricing ranges from Prime + 5.74% to 13.74%

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Mastercard® Platinum Rewards

Rewards-based with comprehensive set of redemption options


1 point for $1 of spend


Additional 5,000 bonus points for $1,000 spent in first 3 months*

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Mastercard® World Plus

50,000 points after spending $5,000 in the first 90 days ($500 value)


Zero foreign transaction fee


3x points on travel and dining*


2x points on gasoline and 1 point for everything


$95 yearly – fee waived in year one*

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All credit cards are subject to credit approval. “Mastercard” and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

*See https://fnbsf.myapexcard.com/apply for important information about terms and conditions, including rates and fees that apply during and after the promotional period.

**Upon approval, a letter will be mailed acknowledging your new account. For details on Rewards Program Rules, please visit https://fnbsf.myapexcard.com/apply and select Rewards Terms and Conditions. Redemption options are subject to change without notice. Rewards are offered through a third party and are not products of the bank.

***When you spend $1,000 in the first 90 days of account opening, you will receive 5,000 bonus points. Bonus points can be redeemed for a credit on your monthly statement at a rate equivalent to 1% of purchases. Redeem any available point balance for your cash back statement credits. For example: 5,000 points may be redeemed for a $50 cash-back statement credit. Points can also be redeemed for gift cards.