World Card / Preferred Points Credit Card

Be rewarded for your spending.

Earn points by spending with our World Credit Card.

Ways to Apply

For People Who…

  • Want great rewards for their credit card spending!
  • Love saving on interest for the first six months!



  • Earn points on your purchases for great rewards.
  • Feel secure with a 25-day interest free grace period.
  • Get comfortable with a low interest rate for the first 6 months!


  • Cash in on your points at
  • Save money with no annual fee.
  • Feel good about having a competitive annual percentage rate (APR).


Additional Information

Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.

Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise, including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, and more. A brochure with more details is available at any FCB Bank Office.

Some other features of the card include:

  • Competitive annual percentage rate (APR).
  • Low introductory rate for the first six months.*
  • No annual fee.
  • 24-hour toll free live customer assistance.
  • Online account information available 24/7 at
  • Rental car collision damage waiver protection.
  • APR* for purchases and cash advances is the same.
  • 25-day interest-free grace period on all purchases.

*Please see application for information about current APRs and fees.

Ways to Apply


Completed applications can be returned to any community banking office or sent by email or fax.

Current FCB Bank online banking customers can quick apply online: Log in to online banking and select Credit Card Application from the top left menu.

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Talk to us

We have dedicated staff that can assist you with getting started.

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Visit an Office

Our friendly knowledgeable office staff can take your application at an office convenient to you.

Use our office locator to find an office near you.

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