Take control of your credit. 

At ABNB, we’re here to help members manage their finances responsibly with different cards for different styles of spending. We offer a competitive low rate Preferred card and a Signature card with rewards. So whether you’re just starting your credit journey, repairing bad credit, or looking for extra benefits, we’ve got the right card for you.



Key Features

Open any wallet or purse and you’ll likely see a few credit cards, a grocery store card, a driver’s license, and a debit card. Makes sense, considering more than half of all Americans have some kind of credit card.

A credit card is different than your everyday debit card, which you use to pay for transactions directly from your checking account. Swipe the card, enter your PIN, and money comes out of your account. A credit card is similar, but uses lender funds to pay for your transactions.

When you apply for a credit card, a lender will analyze your credit report to determine your creditworthiness. They’ll look at payment history, number of accounts, late payments, and age of credit to qualify you for an account and, if so, set an initial credit limit. For first-time credit card holders, you may be approved for a lower limit and a higher rate at the start. Borrowers with extensive credit history and solid credit scores may be approved for a higher credit limit and lower interest rates.

Either way, when you get a credit card and use it, you’re responsible for paying it back. Typically, you’ll only want to use what you can afford to pay back.

A credit card is a big responsibility, and can have substantial impacts on your ability to borrow money in the future for things like cars, student loans, mortgages, and other credit cards.   

Compare the benefits of each card type:

Secured Credit Cards Unsecured Credit Cards Prepaid Debit Cards
If approved for a secured credit card, you’ll put down a set amount of cash to draw on. Like a regular card, you’ll be responsible for paying it back. If approved for an unsecured credit card, you’ll put down none of your own money and will be free to spend up to whatever your limit is, but you’ll be responsible for paying it back plus interest, if applicable. Reloadable, meaning you put as much money in per month as you’re willing to spend.
Monthly payments, on-time or not, and usage will be reported to the major credit bureaus (Equifax, Experian, Transunion), and will impact your credit score and credit report. Has no impact on your credit score or credit report.
After several on-time payments and responsible usage, you may be upgraded to an unsecured line and your limit may increase. On-time payments and responsible usage will positively affect your credit score, and may result in a higher credit limit. Once your initial deposit is spent, you have to deposit more.

We’re thrilled to offer two credit cards for members: The Visa® Preferred card and the ABNB Visa® Signature Rewards card.

Card Type Visa Preferred ABNB Visa Signature Rewards
Annual Fee None None
Signup Bonus None 20,000 rewards points*
Over-limit Fee None None
Rewards None Visa signature benefits, cash-back capabilities, and Scorecard Rewards program
Earn 1.5 points per $1 spent on all purchases, including travel, dining, and retail.

*20,000 reward points awarded to member when they reach their cumulative $3,000 transaction dollar amount within 90 days of account opening.


ABNB credit card holders are rewarded with all sorts of perks and benefits, including:

  • Competitive interest rates
  • EMV chips and Visa® SRC for extra security
  • Roadside assistance for help with towing, tire changes, jumpstarts, lockouts, fuel delivery, and more
  • ID Navigator powered by Norton LifeLock
  • Online credit card account management
  • Scorecard Rewards program

For questions or concerns regarding card security, applications, or rewards, contact the following phone numbers:   

Our online debt/payment protection process is simple, fast, and convenient. To file a Debt/Payment Protection claim call 800.621.6323 or visit Your Claim (trustage.com) . Our mobile-friendly site gives you 24/7 access to your claim, so you can start a new claim, see your claims status or benefits details, and view FAQs. 

*(APR) Annual Percentage Rate. Variable APR range 11.74% - 18.00%. No annual fees or cash advance fees. Foreign transaction fees apply. All loans subject to approval. Rates may vary depending on credit worthiness. Some restrictions apply.

Consumer Credit Card Agreement and Disclosure (Preferred)

Consumer Credit Card Agreement and Disclosure (Signature)