Credit Cards

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Credit Cards 

Visa® Gold Card 

The Visa® Gold Card has great options for those who want to have a card for "just in case" and emergency use. Valued Visa® Gold Card customers may also enjoy:  

  • Special introductory Annual Percentage Rate
  • Low standard Annual Percentage Rate  
  • No annual fee (please see the application disclosure for account terms)
  • On-line access to balance and transactions, including bill payment 
  • Great customer service from local representatives 
  • Car rental insurance when card is used to pay for rental service 
  • Opportunity to upgrade card to The Smoky Mountains Charity Card 
  • Visa® Gold Card Application & Disclosure  

Premier Rewards Visa® Card 

The Premier Rewards Visa® Card offers unlimited cash back rewards on qualified purchases.  Customers who plan to use this card frequently for convenience or to make large purchases benefit from the rewards despite an annual fee and slightly higher APR.  

  • Cash back rewards 
  • Special introductory Annual Percentage Rate 
  • Low standard Annual Percentage Rate 
  • No annual fee for first year (please see the application disclosure for account terms)
  • Great customer service from local representatives 
  • On-line access to balance and transactions, including bill payment 
  • Car rental insurance when card is used to pay for rental service 
  • Opportunity to upgrade card to The Smoky Mountains Charity Card 
  • Premier Rewards Visa® Card Application & Disclosure

Secured Visa® Card 

The Secured Visa® Card is for the customers who want an opportunity to establish or re-establish credit.  This could offer a convenient payment method for anyone who might otherwise not meet the criteria for approval of a credit card.  

Elite Business Visa® Card 

The Elite Business Visa® Card is designed especially for businesses and offers a convenient method of payment that gives the business owner expense tracking capabilities.  

  • Convenience in making purchases 
  • No annual fee (please see the application disclosure for account terms)
  • Competitive Annual Percentage Rate 
  • Great customer service from local representatives 
  • On-line access to balance and transactions, including bill payment 
  • Car rental insurance when card is used to pay for rental service 
  • Opportunity to upgrade card to The Smoky Mountains Charity Card 
  • Elite Business Visa® Card Application & Disclosure

Important Information for Credit Card Services 

  • For more information about credit cards services or to speak with a representative, call (865) 429-2273. 
  • To request a copy of your credit card agreement, please contact us using the Contact Us link and type Credit Card Agreement Request in the Questions/Comments or call (865) 429-2273 
  • Lost/Stolen Credit Cards (after hours):  (800) 556-5678 
  • TIB Merchant Services Help Desk (after hours):  (800) 228-0210 
  • Credit Card Balances link or call (800) 343-1548