Credit Card products with the OptimumBank name are provided by TIB - The Independent BankerBank, a Texas banking corporation, which is not affiliated with OptimumBank.com

Personal Credit Cards

You chose to bank with us, why not carry our card?

Enjoy traveling?

Learn more about the Travel Rewards Program:

• 1,000 Bonus Miles just for opening your account;
• For every dollar you spend in purchases, you'll earn a matching Flex Miles point towards free air travel;
• Travel can be redeemed for as little as 18,000 points for a round-trip ticket up to $360 value;
• There are no blackout dates and no seat restrictions;
• Pre-Trip Assistance;
• Emergency Ticket Replacement.