Credit Cards

The Vertex Trust Bank credit card family covers every stage of your financial life — from your very first card to premium travel and rewards products designed for frequent flyers and high spenders.

Vertex Build is our starter card with no annual fee, free credit score tracking, and a clear path to a higher limit after six months of on-time payments. Vertex Cash Rewards pays up to 3% back on groceries, gas, and dining with unlimited 1.5% on everything else. Vertex Travel Elite earns transferable points on every purchase, includes airport lounge access, complimentary travel insurance, and a $300 annual travel credit.

All Vertex cards come with instant virtual card issuance after approval, contactless and mobile wallet support, real-time fraud monitoring, zero liability on unauthorized charges, and one-tap card freeze from the mobile app.

Plus, every cardholder gets free credit score monitoring, personalized spend insights, and the ability to set custom limits by merchant category — a level of control most banks simply don't offer.