Apply for a Credit Card | Cogent Bank - Serving Florida
FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Lost or Stolen Debit Card

To report a lost or stolen debit card please call 407.545.2662 during normal operating hours. After hours, please call 1.800.500.1044 immediately or access www.visa.com

Routing Number

Our Bank Routing and Transit Number is: 063114661

You will be linking to another website not owned or operated by Cogent Bank. Cogent Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Cogent Bank of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from Cogent Bank.

If you "Proceed", the link will open in a new window.

Proceed

You are leaving Cogent Bank and going to Cogent Private Wealth, a boutique advisory firm offering comprehensive financial planning and investment management services. Some of their products are NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY THE BANK; and MAY LOSE VALUE.

If you "Proceed", the link will open in a new window.

Proceed

Please note that by clicking on this email address, you are leaving the Cogent Bank website and accessing an external email platform. Cogent Bank has no control over the content of any communications contained within this platform and cannot be held responsible for any information exchanged. We caution users to be careful when sharing any personal or sensitive information via email, as it may be intercepted or misused by third parties. By using this email platform, you accept full responsibility for any risks that may arise from its use.

If you "Proceed", the link will open in a new window.

Proceed

Menu

Personal Banking      Banking      Credit Cards

Credit Cards

Cogent Bank offers you
competitive interest rates
and worldwide acceptance
for maximum convenience.

Cogent Bank Offers
Two Personal Credit Cards

both offer the following additional benefits

  • Immediately borrow money to pay for purchases
  • Purchase Protection
  • Extend payments to improve cash flow
  • Efficiently track expenses
  • 24-hour fraud monitoring and lost card support
  • EMV smart chip technology for added security

Personal Platinum
Benefits Card

  • No annual fee
  • 0% intro Annual Percentage Rate (APR) on purchases for the first 7 billing cycles after account opening. After that, your APR will be 18.50%. The APR will vary with the market based on the Prime Rate.
  • Manage your card 24/7 through Card Manager. Click here for access.
  • Click here to review the current pricing information.

Platinum Cash Back Rewards Card

  • $35 annual fee
  • No cap on cash back, get 1% cash back on every dollar you spend
  • 0% intro APR on purchases for the first 7 billing cycles after account opening. After that, your APR will be 16.50%. The APR will vary with the market based on the Prime Rate.
  • Manage your card 24/7 through Card Manager. Click here for access.
  • Click here to review the current pricing information.

View transaction and manage payments on your personal credit cards online:

Our Credit Card Benefits

Reward
Points

Low
Rates

Generous
Limits

Easy Online
Access

We Are
Moving You
Foward