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Security Bank of Kansas City

Consumer Credit Card Program

Security Bank of Kansas City Mastercard® Consumer Credit Card Program

It's the only card you need. Everything in one convenient card. No Annual fee, Low Introductory Rates, Exceptional Features and Benefits, and a Flexible Reward Options. 
Choose Your Card
Mastercard® Platinum / Mastercard® World Card
Choose the card that's just right for you - low rates, rewards and a world of additional benefits and flexibility. It's purchasing power for whatever you need, whenever you need it. 
 
Everything You Need In One Convenient Card
  • No Annual Fee
  • Low Introductory Rate
  • Exceptional Features and Benefits
  • Flexible Reward Options
Reward Yourself
With Preferred Points, earn one point for each dollar you spend, up to 10,000 points per month and redeem - for anything you choose. 
 
  • Cash Back - The convenience of cash when you want it. Redeem points to shop, dine, or have a night on the town. 
  • Travel - Treat yourself to a vacation with free round trips, discounted airfare, hotel stays, and cruises. 
  • Gift Cards, Merchandise, and More - Obtain gift cards from your favorite retailer, earn name brand merchandise or electronics. It’s your choice!
 
3,000 Free Bonus Points
Use your new card each month during the first three months after receipt and earn 1,000 free bonus points each month!
Credit Card Benefits
Extraordinary Benefits with Mastercard® Platinum 
  • Travel Accident Insurance and Baggage Delay Benefit
  • Car Rental Collision Damage Waiver
  • Optional Rewards
  • Price Protection
  • Extended Warranty
  • Purchase Assurance
  • Travel Assistance and Emergency Services
A World of Exclusive Advantages with Mastercard® World Card
  • Outstanding Rewards
  • Concierge Services
  • Travel Accident Insurance and Baggage Delay Benefit
  • Car Rental Collision Damage Waiver
  • Optional Rewards
  • Price Protection
  • Extended Warranty
  • Purchase Assurance
  • Travel Assistance and Emergency Services
Interest Rates and Interest Charges
Interest Rates and Interest Charges
 

World Card & Preferred Points Card Low Rate Card
Annual Percentage
Rate (APR) for
Purchases 
2.90%
Introductory APR for six months.
16.99%
This APR will vary with the market based on the prime Rate 1
2.90%
Introductory APR for six months.
11.99%
This APR will vary with the market based on the prime Rate 2
APR for Balance
Transfers and
Cash Advances
2.90%
Introductory APR for six months.
16.99%
This APR will vary with the market based on the prime Rate 1
2.90%
Introductory APR for six months.
16.99%
This APR will vary with the market based on the prime Rate 2
Penalty APR and
When it Applies
20.99%
This APR will vary with the market based on the Prime Rate3. This APR may be applied if you allow your Account to become 60 days past due. How long will the Penalty apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due.
20.99%
This APR will vary with the market based on the Prime Rate3. This APR may be applied if you allow your Account to become 60 days past due. How long will the Penalty apply? If your APR is increased for the reason stated above, the Penalty APR will apply until you make three consecutive minimum payments when due.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the
transaction date. 
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the
transaction date. 
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau by clicking here. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau by clicking here.
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card.
Prime Rate: The APR will vary based on charges in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day fails on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of June 25, 2018, the Index was 5.00%. 
 
1 We add 11.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%.
2 We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%.
3 We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%.
If at least one box at the top of the application is not checked, or, if too many boxes are inadvertently checked, you will be deemed to have selected the Standard Card with the Individual billing option. 
If you check the box to receive a Visa® Card, you understand and agree that the benefits for a Visa® Card are different that for a Mastercard® Card.
Fees

World Card & Preferred Points Card  Low Rate Card
Annual Fee None None
Transaction Fees - 
Balance Transfer and Cash Advance
Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater.
Either $10 or 3% of the amount of each balance transfer or cash advance, whichever is greater.
Transaction Fees - 
International Transaction
2% of each transaction in U.S. dollars. 2% of each transaction in U.S. dollars.
Penalty Fees - 
Late Payment
Up to $25 Up to $25
Penalty Fees - 
Returned Payment
Up to $25 Up to $25
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the account agreement that will be provided to you before you begin using your new card.
Prime Rate: The APR will vary based on charges in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day fails on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of June 25, 2018, the Index was 5.00%. 
 
1 We add 11.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%.
2 We add 6.99% to the Prime Rate to determine the APR for Purchases, Balance Transfers, and Cash Advances. The Account will never have an APR over 21%.
3 We add 15.99% to the Prime Rate to determine the Penalty APR. The Account will never have an APR over 21%.
If at least one box at the top of the application is not checked, or, if too many boxes are inadvertently checked, you will be deemed to have selected the Standard Card with the Individual billing option. 
If you check the box to receive a Visa® Card, you understand and agree that the benefits for a Visa® Card are different that for a Mastercard® Card.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Access Your Credit Card Information & View / Redeem Reward Points
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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