Upgrade Your Finances with PTB's Credit Cards
At PTB, we believe your credit card should work for you, not the other way around. That’s why we offer a wide range of
credit cards to fit your lifestyle and financial goals. Whether you want to earn rewards on everyday purchases, finance a large expense over
time, or consolidate debt at a lower interest rate, PTB has the ideal card for you.
Earn Cash Back on Everything You Buy
Tired of missing out on rewards for your spending? Our cash back credit cards put money directly back in your wallet on all eligible purchases. Here are some of our most popular options
Platinum Cash Back Card
- Earn 5% cash back at grocery stores, dining and entertainment
- 3% cash back at gas stations and on rideshares
- 1% cash back on all other purchases
- No annual fee
With category bonuses on frequent spending and unlimited 1% cash back, this is one of the strongest cash back cards available. You can earn hundreds of dollars back each year on the things you buy every day.
Premier Cash Back Card
- Flat 2% cash back on every single purchase
- No categories to track – automatic 2% back on everything
- No annual fee
For simple cash rewards without limitations, the Premier Cash Back Card is the way to go. 2% adds up quickly, earning you a nice cash bonus to use however you want.
Milestone Rewards Card
- 1.5% cash back on all purchases
- 10% anniversary bonus – get 10% of all cash back earned each year added to your rewards balance
- $95 annual fee
The Milestone Rewards Card amplifies your earnings with a special 10% anniversary bonus each cardmember year. The bonus applies to all rewards earned, allowing your cash back to grow faster over time.
Travel the World for Less
Do you have a bucket list of dream vacations and destinations? Our travel rewards credit cards help you explore the world for
less by maximizing points and miles. Check out these top travel card options below:
Explorer Card
- 50,000 point signup bonus after spending $3,000 in first 3 months
- 3X points on flights, hotels, rental cars, rideshares and more
- 1X points on other purchases
- $95 annual fee
Earn points quickly on all your travel bookings with the Explorer Card. Redeem points for flights, hotels, cruises and other travel purchases through our premium rewards portal.
Voyager Card
- 60,000 point signup bonus after spending $3,000 in first 3 months
- 5X points on airfare and hotels
- 3X points at restaurants, gas stations and supermarkets
- 1X points on other purchases
- $125 annual fee
Take your travel rewards even further with the Voyager Card. Earn bonus points on dining, gas and groceries to complement your accelerated airfare and hotel earnings.
Global Card
- 75,000 point signup bonus after spending $4,000 in first 3 months
- 3X points on all travel purchases
- 2X points at restaurants, supermarkets and gas stations
- 1X points on other purchases
- No foreign transaction fees
- $195 annual fee
With premium travel insurance and protections, no foreign transaction fees and a generous signup bonus, the Global Card is designed for frequent travelers. Maximize rewards at home and abroad.
0% Intro APR on Balance Transfers
If you’re looking to consolidate higher-interest credit card balances to save money on interest, a balance transfer can provide the
relief you need. PTB offers 0% intro APR for 12-21 months on balance transfers (based on creditworthiness). After the
intro period, a competitive ongoing APR applies.
Balance Transfer Card
- 0% intro APR for 21 months on balance transfers
- 3% balance transfer fee
- No annual fee
Transfer high-interest balances from other credit cards and repay them over time without interest during the intro period. This can save you hundreds to thousands of dollars compared to paying ongoing high interest rates.
Platinum Card
- 0% intro APR for 15 months on balance transfers
- 3% balance transfer fee
- No annual fee
Enjoy an extended 0% APR intro period along with great balance transfer terms. Combine with the card’s additional benefits like rental car insurance, trip cancellation/interruption insurance and more.
Premier Rewards Card
- 0% intro APR for 12 months on balance transfers
- 5% balance transfer fee
- $95 annual fee
A solid mid-length intro period to pay down balances interest-free. The Premier Rewards Card also earns unlimited 1.5% cash back to help you get rewarded as you repay.
Flexible Financing on Large Purchases
For large expenses and big-ticket items, our financing credit cards offer low intro APRs and flexible payment plans.
These cards allow you to spread costs over months or even years.
Purchase Card
- 0% intro APR for 15 months on purchases
- No balance transfer offers
- No annual fee
Specifically designed for financing large purchase expenses without interest. After the intro period, an ongoing 12.99%-22.99% variable APR applies.
Premier Plus Card
- 0% intro APR for 12 months on purchases AND balance transfers
- $125 annual fee
- Additional benefits like cell phone insurance, Priority Pass airport lounge access and more
A premium card with a 12 month 0% intro APR on both new purchases and balance transfers. Great for consolidating debt while also financing new expenses over time.
Business Credit Cards
Running a business isn’t easy. Let PFG’s business credit cards make it a little simpler with robust rewards, employee cards
and valuable benefits.
Business Pro Card
- 75,000 point signup bonus after $5,000 spend in first 3 months
- 3X points on computers, software, internet/phone and more
- 2X points on gas, dining, rideshares and select travel
- 1X points on other purchases
- $0 employee cards
- $95 annual fee
Earn accelerated points in top business spending categories with the PTB Business Pro Card. Employee cards come at no extra cost. Redeem points for cash back, travel and more.
Business Premier Card
- 2X points on all purchases – no limits by category
- 50% points bonus after each account anniversary
- $0 employee cards
- $175 annual fee
For simple, unlimited double points on everything, the Business Premier Card is a top choice. The 50% yearly points bonus allows your rewards to grow substantially over time.
Business Line of Credit Card
- 0% intro APR for 15 months on balance transfers
- After intro period, ongoing 9.99% – 17.99% variable APR
- 2% cash back on all purchases
- $0 employee cards
- $49 annual fee
Designed specifically for small business financing needs, with generous intro APR on balance transfers and ongoing low variable APR after intro period. Plus, earn cash back rewards on purchases.
Get the Most from Your Credit
At PTB, we offer excellent credit cards packed with rewards and benefits – but we’re about more than just cards.
We want to help you fully understand and most effectively use credit to improve your financial situation.
Credit Education
We believe knowledge is power when it comes to your finances. PTB offers complimentary educational resources to help you build and use credit wisely. Learn more about:
- How credit scores work and how to improve yours
- Using credit cards responsibly
- Different types of credit and financing options
- Monitoring your credit reports
- Protecting your identity and information
- Budgeting and money management
- Planning for financial goals like buying a house
Take control of your financial well-being with useful credit education and guidance from PTB credit experts.
Credit Tracking and Management
Stay on top of your credit profile with PTB’s suite of tracking and management tools. See important updates, monitor your scores, get custom advice and more:
- Credit score tracking: Monitor your FICO and VantageScore credit scores monthly to watch improvement and catch any suspicious changes.
- Credit report monitoring: Review your Experian, Equifax and TransUnion credit reports for errors, identity theft, fraud or other issues impacting your credit.
- Score simulator: See how certain financial decisions could impact your credit scores before you act.
- Customized tips: Get personalized recommendations for improving your credit based on your specific situation.
- 24/7 credit support: Contact PTB credit experts by phone or chat anytime you need quick assistance.
Gain visibility and take control over your credit and identity with PTB’s tracking and management services.
Specialty Credit Solutions
For some individuals, damaged credit histories or unique circumstances require specialized credit solutions. PTB offers targeted products and services to help including:
Credit Rebuilding
Rebuild and restore your credit effectively with special PTB products like our secured credit card. Make regular payments and practice good credit habits to establish positive payment history and raise your scores.
Credit Building
Just starting your credit journey? PTB provides learning materials and options like student credit cards and credit-builder loans to help responsibly build credit from the ground up.
Identity Theft Resolution
If your identity is compromised, our dedicated experts fully manage the recovery process for you and ensure your accounts and credit are protected.
Military Credit
We offer tailored financial services and guidance to address the unique needs and challenges of service members and veterans, like free credit monitoring, mortgage and balance transfer options.
PTB can provide specialized solutions for any credit situation. Our experts are here to help you directly address problems and achieve your financial goals.
Your Credit, Your Future
PTB believes managing credit should pave the way to realizing your dreams, not hold you back. That’s why we passionately provide the credit cards, knowledge and solutions to help you thrive financially.
To find the ideal credit card and financing options for your needs, of if you have any questions, feel free to contact us or chat with a credit expert.
Build an empowered financial life with PTB!