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Credit Cards for Young Adults

As you get older and your financial needs grow, credit will be an important component of how financial institutions review your financial fitness and stability. Much like your reputation, credit is something that must be earned and well maintained. Start building your credit history early to help you learn how to manage it as a resource and put you on a strong path to reaching your financial goals.

NBT Bank offers several credit options that can act as building blocks toward establishing a credit history.

College Rewards VISA® Card

If you're a college student with limited credit history, here's a card that will help you take a giant step into responsible credit use. The College Rewards VISA® Card allows you to establish a solid credit history while earning valuable rewards.

Learn More

Secured VISA® Card

If you need to improve or re-establish your credit history, here's a great way to begin that process. With the Secured VISA® Card, you establish a savings account that is pledged as security for your credit card account. You'll enjoy the convenience of credit, including the option to carry a balance while earning interest on your savings account.

Learn More

Current Credit Card Account Holders

Login to MyAccountAccess to manage your NBT Bank Personal Credit Card account.

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

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