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VISA Cash Rewards Credit Card


  • Earn 1% cash back on all purchases
  • No annual fee
  • Monthly statements via mail
  • Account access through the Internet
  • 24 Hour emergency Card/Cash Replacement
  • Travel Accident & Auto Rental Insurance
  • 24-Hour/365-Day Live Customer Service

Apply Today!

To apply, visit your local Republic Bank banking center.
If you have any questions, please call us at 502-584-3600 or outside Louisville, call toll-free at 888-584-3600.

Already a Cardholder?

Check your balance, view statement history, make a payment and more.

Lost or Stolen Card?

To report a lost or stolen Republic Bank VISA Credit Card, please call 1-866-292-0856.
Interest Rate and Interest Charges
Annual Percentage Rate
(APR) for Purchases
This APR can vary monthly with the market based on the Prime Rate published in the Wall Street Journal.
APR for Cash Advances 13.45%
This APR can vary monthly with the market based on the Prime Rate published in the Wall Street Journal.
How to Avoid Paying
Interest on Purchases
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 on the transaction date.
Minimum Interest Charge If you are charged interest, the charge
will be no less than $0.50.
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 at
Annual Fee None

Transaction Fees
• Cash Advance Fee

• International Transaction Fee

Either $3 or 3% of the amount of each cash
advance, whichever is greater.

 single currency exchange per
transaction in U.S. Dollars.
1% multi-currency exchange per
transaction in U.S. Dollars.
Penalty Fees
• Late Payment Fee
• Returned Payment Fee

Other Fees
• Expedited Phone Payment


How will we calculate your balance?: We use a method called "average daily balance (including new purchases)”. See your Cardholder Account Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Account Agreement.

The information about the costs of the card, which is offered by Republic Bank & Trust Company, described in this application is accurate as of the date below. This information may have changed after that date. To find out what may have changed, write to us at:

Republic Bank
601 West Market Street
Louisville, Kentucky 40202-2700

Rate updates as of 11/3/14

The Annual Percentage Rate ("APR") is a variable rate. The APR shall be based on the highest Prime Rate listed in the Monthly Rate section of the Wall Street Journal on the 1st day of each month (or if the 1st is a Saturday, Sunday, or holiday, the next business day) and adding 10.2% to that rate, not to exceed 21%. Any change in the APR will go into effect on the first day of your new billing cycle that follows the effective date, as herein defined, of the Wall Street Journal published Prime Rate change and may result in an increase or decrease in the INTEREST CHARGE imposed on your account.

Ohio Residents Only: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy customers and that credit-reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Information 1-888-782-3333
Taxpayer Assistance 1-866-581-1040
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Member FDIC. Equal Housing Lender. Equal Opportunity Lender.