Credit Cards

Credit Cards

Hometown convenience, worldwide acceptance

With an Andover Bank credit card in your wallet, you'll have the ultimate in convenience and purchasing power at your fingertips. Plus, earn cash back, rewards points, or travel rewards each time you use your card.1 No matter which card you pick, you'll enjoy these great features, backed by the hometown service you expect:

  • No annual fee*
  • Zero liability for fraud and unauthorized purchases
  • A special Introductory APR* on purchases and balance transfers
  • Earn rewards with every purchase1
  • Chip card security
  • 24/7 customer service - call 800-883-0131 for balance inquiries, reporting lost or stolen cards, and all other questions (provided by TCM Bank, N.A., our credit card issuer)
  • Manage your account online
  • Personalized text and email alerts
  • Travel accident insurance2

Get started

Learn more and apply today - online or at any banking center.

Choose your card Credit Card Account Access View and redeem your rewards


*0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 8.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 15.24% and 25.24%, Platinum Edition APRs are currently between 14.24% and 24.24%, and Cash Rewards Platinum APRs are currently between 18.24% and 28.24%. Rewards Platinum Cash Advance APR is currently 27.24%, Platinum Edition Cash Advance APR is currently 27.24%, and Cash Rewards Platinum Cash Advance APRs are currently 27.24%-30.24%. All APRs are based on creditworthiness. Rates are accurate as of September 1, 2023 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A.
1In order to access rewards, your account must be open and in good standing.
2Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.