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 Cards

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.

Choose Your Card

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

Cash Back Rewards – redeemable for statement credits or deposits to your FNBSF Checking Account


1% cash back for $1 of spend1


Additional $50 bonus cash back for $1,000 spent in first 3 months2

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Mastercard® World

$500 bonus cash back after spending $5,000 in the first 90 days2


Zero foreign transaction fee


3% cash back on travel and dining3


2% cash back on gasoline and 1% cash back for everything3


$95 yearly – fee waived in year one

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All credit cards are subject to credit approval. Ask for details.

Mastercard is a registered trademark of Mastercard International Incorporated. Certain restrictions, limitations, and exclusions apply. Please consult your Guide to benefits for specific benefit configuration.

1For details on Rewards Program, please visit: https://fnbsf.myapexcard.com/#p=application/rewardsTerms. Rewards options are subject to change without notice.

2Upon approval, a letter will be mailed acknowledging your new account. The Rewards Bonus period begins on the date of the new account letter and ends 90 days later.

3We group similar merchant category codes into Purchase Categories that are used to calculate the stated rewards. We make every effort to include all relevant merchant category codes in the listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not provide us with the merchant code that will fall within that Purchase Category. Because of this, we cannot guarantee that a purchase will qualify for more than the standard 1% (one percent) cash back as any purchase where a merchant uses a category code outside of the eligible Purchase Category does not qualify for additional cash back.