Personal credit cards

Take advantage of life’s rewards.

Heritage Oaks Bank offers a variety of credit cards to meet your needs. Become a card member and enjoy a wide range of benefits including competitive introductory rates and your choice of rewards programs.


Learn More or Apply Now!

Online account access provides the quickiest and easiest way to:


  • Activate your credit card
  • Make payments
  • Transfer balances
  • Request limit increases
  • View statements
  • And much more

Once you receive your credit card, simply access your account by clicking on the link below.

Access My Account

 For former Business First Bank credit cardholdersaccess online account here

 For former Mission Community Bank credit cardholders, access online account here