Personal Credit Card
Quantum Bank offers a range of personal credit cards designed to fit different spending habits and lifestyles. Whether you're looking for cashback, travel rewards, or a low-interest option, our cards provide competitive rates, valuable perks, and strong security features to help you spend smarter.
Rates
⚡ A simple, low-interest card for smart spending.
- Rewards: None—focuses on low interest rates.
- Annual Fee: None.
- Extras: No penalty APR for late payments, zero fraud liability, and free credit score monitoring.
✈️ Earn points for your next adventure.
- Rewards: 2X points on travel & dining, 1X points on all other purchases.
- Annual Fee: $95 (Waived for the first year).
- Extras: No blackout dates, travel insurance, and free airport lounge access.
💰 Maximize your everyday purchases with cashback.
- Rewards: 1.5% unlimited cashback on all purchases.
- Annual Fee: None.
- Extras: No foreign transaction fees, fraud protection, and bonus cashback for new cardholders.
Testimonials
Kai S
Frequent Traveler
I love using my Quantum Travel Rewards Card when I book flights and hotels. The points add up fast, and I’ve already redeemed for a free vacation!
Sita L.
Marketing Manager
I use my Quantum Cash Rewards Card for everything—groceries, gas, dining—and the cashback really adds up. Plus, no annual fee makes it a no-brainer!
FAQs
Personal Credit Card
- minimum revolving amount;
- the date by which you have to deposit;
- the total amount of credit drawn down, and information on the transactions carried out.
Quantum Credit Cards give you 1% cashback. This means that for every purchase (payment at a merchant POS) in the country and abroad with your Galaxy card, we give you back 1% of the amount you have spent (up to 200USD per year). The cashback bonus is also valid for the Platinum credit card. The Platinum credit card has 1% cashback on POS and online transactions with the Premium plan (up to USD600 per year).
Each month on the due date you choose (10th or 20th), the minimum revolving amount you must pay to use the card is calculated. The minimum revolving amount is not a fee - this amount reimburses you for a portion of the credit limit used. You have 15 calendar days after the due date to pay the minimum revolving amount or repay your entire obligation.
If you repay your entire obligation within 15 calendar days after the due date, you do not owe interest on money paid for goods and services via POS or the Internet for the period elapsed between the last two due dates. Check that you have repaid the full amount due within 15 days after the due date. You can check the amount due and the repayment period in your online banking app. Note that interest is always payable on ATM transactions and transactions made to fund virtual wallets or accounts (loading a Revolut card, etc.), as well as transactions related to gambling, betting, purchasing chips, currency, stocks and other monetary and financial instruments.
Disclosures
- APR Rates Subject to Credit Approval. Actual APR is based on the applicant's creditworthiness and may vary.
- Introductory APR Offers. Balance transfer and purchase intro APRs apply only to new accounts and are valid for the specified period. Standard APR applies afterward.
- Rewards Redemption. Cashback and points must be redeemed per the cardholder agreement. Certain travel rewards may have restrictions.
- Annual Fees & Foreign Transactions. Some cards may carry an annual fee. Foreign transaction fees may apply to non-travel-focused cards.