Credit Cards

With our credit card’s features and benefits, your spending can earn you cash back and rewards! Our Visa^® and American Express^® personal credit card options allow you to choose a card that helps you manage your needs.

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. Whether you are looking to save on interest and pay down balances faster, earn rewards and cash back or just building your credit history, we have the credit card for you!

Keeping your accounts safe and secure is always a top priority so each card option includes smart chip technology for added security.

Credit Card features and benefits:

Cash Back Rewards
Travel Rewards
Bonus Rewards based on purchases
Secured credit cards to help you build or re-build credit

Couple shopping with infant

Explore our Personal Credit Card Options.

Rewards To Use The Way You Want

Visa ^® Real Rewards Card

Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)⁵
No cap or limit on the number of points you can earn, and you have five years to redeem for rewards
2,500 bonus rewards points awarded after first purchase³

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Premier Rewards American Express^® Card

Earn 4 points for every $1 spent on eligible net restaurant purchases⁶
Earn 3 points for every $1 spent on eligible net airline purchases
Earn 2 points for every $1 spent on eligible net gas purchases
Earn 1 point for every $1 spent on all other eligible net purchases
Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months³
No cap or limit on the number of points you can earn, and you have five years to redeem for rewards⁴
Reimbursement for either Global Entry or TSA Pre✔®⁷

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Flexible Cash Rewards

Cash Rewards American Express^® Card

3% cash back¹ on the first $6,000 in eligible net purchases made each year at gas stations^2,4
2% cash back on eligible supermarket net purchases
1% cash back on all other eligible net purchases
$25 cash back awarded after first purchase³

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Pay Down Balances

Visa^® Platinum Card

Pay down your other credit card balances faster with a great low introductory rate for an extended time
Save on interest
Non-Rewards

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Build Your Credit

Secured Visa^® Card

Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history⁸, here's a great way to begin that process
Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account

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Visa ^® College Real Rewards Card

Earn 1.5 points monthly for every dollar you spend on eligible net purchases⁵
No cap or limit on the points you can earn, plus you have five years to redeem points for rewards⁴
2,500 bonus rewards points awarded after first purchase³, redeemable for $25 cash back, merchandise, gift cards or travel savings

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Current Credit Card Account Holders

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

¹ Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

² Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

³ Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

⁴ The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

⁵ Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

⁶ Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

⁷ Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

⁸ Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

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Personal Loan Options

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