Credit Cards

Morgantown Bank & Trust Credit Cards

We offer credit cards for individuals as well as business owners featuring a variety of advantages. From fraud monitoring to competitive APRs, Morgantown Bank & Trust knows what’s important to you.

Choosing the right credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:

• EMV smart chip technology for added security
• Mobile purchasing capability for added convenience
• Plus much more!


Pay Down Balances

Visa® Platinum Card VISA_Standard

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  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards

Flexible Cash Rewards

Cash Rewards American Express® Card

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  • 3% cash back (1) on the first $6,000 in eligible net purchases made each year at gas stations (2,4)
  • 2% cash back on eligible supermarket net purchases
  • 1% cash back on all other eligible net purchases
  • $25 cash back awarded after first purchase(3)


Rewards To Use The Way You Want. (4)

Visa® Real Rewards Card

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  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back) (5)
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards
  • 2,500 bonus rewards points awarded after first purchase (3)

Premier Rewards American Express® Card American Express Card

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  • Earn 4 points for every $1 spent on eligible net restaurant purchases (6)
  • Earn 3 points for every $1 spent on eligible net airline purchases
  • Earn 2 points for every $1 spent on eligible net gas purchases
  • Earn 1 point for every $1 spent on all other eligible net purchases
  • Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months (3).
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards (4)
  • Reimbursement for either Global Entry or TSA Pre✔® (7)

Build Your Credit

Visa Signature® College Real Rewards Card

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  • Earn 1.5 points monthly for every dollar you spend on eligible net purchases. (5)
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards (4)
  • 2,500 bonus rewards points awarded after first purchase (3), redeemable for $25 cash back, merchandise, gift cards or travel savings.

Secured Visa® Card

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  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history (8), here’s a great way to begin that process.
  • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.

Existing MBT Cardholder?

24/7 Customer Service: (800) 558-3424
Technical Support: (877) 334-0460
Payment Address: Cardmember Service, P.O. Box 790408, St. Louis, MO 63179-0408
Overnight Payment Address: Cardmember Service, 824 N. 11th St., St. Louis, MO 63101-1016

Access Your Account

Credit card accounts that were activated prior to September 1, 2017, can be accessed HERE.


(1) Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

(2) Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

(3) Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

(4) The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

(5) Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

(6) Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

(7) Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

(8) Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

 

These cards are issued by Elan Financial Services and are subject to credit approval.

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