Personal Credit Cards


NBT Bank offers a wide variety of card options to meet your credit needs including:

Visa® Credit Cards

  • Rewards based on purchases
  • Credit cards for college students and young adults
  • Secured credit cards to build or re-build credit

American Express® Cards

  • Rewards based on purchases
  • Travel rewards

Learn about all of our personal credit card options.

Apple Pay

Enroll your personal NBT Bank Credit Card in Apple Pay and enjoy the easy, secure and private way to pay. Use Apple Pay with select Apple® devices to experience the convenience of making purchases in stores or in apps without having to reach for your card. Learn More >>

Current Card Holders:

MyAccountAccess is an online portal that allows you to manage your account and utilize the following features:

  • View current balances
  • Pay your credit card bill
  • Set up auto pay
  • Sign up for email or text message account alerts
  • View credit card statements

MyAccountAccess Login