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Dual Credit Card

  • Whether you’re transferring a balance or making a big purchase, an interest-free period can give you the flexibility you need. Plus, our Dual Credit Card offers cashback as well as rewards from your favourite shopping brands – all for no annual fee.
Credit is subject to status, affordability and applicable terms and conditions.

Representative example

22.9% APR (Variable) Representative APR

22.9% p.a. (Variable) purchase rate

Based on an assumed credit limit of


About this card

Card details

  • 0% interest on balance transfers for 26 months* from account opening
  • A 2.89% fee applies on balances transferred (minimum $5) within the first 60 days of account opening.*

  • 0% interest on purchases* for 26 months from account opening
  • No annual fee


  • Enjoy global discounts
  • Earn cashback from your favourite shopping brands with Visa Offers, plus get instant discounts from well-known brands around the world with our rewards programme.

Using your card

  • Make contactless transactions
  • Your card is contactless contactless Contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.

  • Manage your card online
  • Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

  • Get an additional card
  • As long as they’re over 18, you can add your partner or a family member to your account.

  • Bank anywhere with the Joint American Trust Bank internet banking
  • Make payments to existing beneficiaries and manage your personal accounts easily and securely with the Joint American Trust Bank internet banking.

  • Use your card abroad
  • You can use your Premier Financial Solution Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-Joint American Trust Bank cash machines may also charge a fee.

  • Enjoy 24/7 worldwide assistance
  • Day or night, help is always at hand if your card is lost or stolen. Wherever you are in the world, you can speak to our dedicated support team about getting an emergency cash advance.

Apply for a Dual Credit Card

Are you eligible?

To be eligible for an Joint American Trust Bank Credit Card you need to:

  • Have an annual income/pension before tax of $8,500 or more
  • Be a resident of the US*
  • Be over 18, and not hold an Joint American Trust Bank Basic Bank Account

If you foresee any changes in circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker, please apply by email

Introductory rates only apply if you haven't held an Joint American Trust Bank credit card within the last six months.