Visa® and American Express® Credit Card Options

What do you want most from your credit card? Now you have a choice. Whatever your needs, we have a credit card that’s right for you! All of our credit card products come with a variety of important features including EMV smart chip technology.

Consumer Credit Cards

My Visa or American Express Credit Card

Enjoy a Longer Intro Rate

Visa® Platinum Credit Card

  • Save on interest and pay down your other credit card balances faster
  • Non-Rewards

Earn Valuable Rewards

Visa® Real Rewards Card

  • Earn 1.5 points for every net $1 you spend on eligible net purchases1 (equal to 1.5% Cash Back)
  • 2,500 bonus rewards points awarded after first purchase, redeemable for:
    • $25 Cash Back or
    • Merchandise or
    • Gift Cards or
    • Save towards Travel

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. 2 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. If you're approved for a new Premier Rewards American Express Card, one-time bonus points will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening. Please allow 6-8 weeks after you have met the spend requirements for your bonus points to be credited to your account.

Cash Rewards American Express® Card

  • 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations1
  • Also 2% cash back on all eligible supermarket net purchases1
  • $25 cash back awarded after first purchase2

Cash Rewards Card: "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as points and each $0.01 in Cash Back Rewards earned is equal to 1 point. 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 Point (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 about $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.  2 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. If you're approved for a new Premier Rewards American Express Card, one-time bonus points will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening. Please allow 6-8 weeks after you have met the spend requirements for your bonus points to be credited to your account.

Premier Rewards American Express® Card

  • Earn 4 points for every $1 spent on eligible net restaurant purchases1
  • Earn 1 point for every $1 spent on all other eligible net purchases
  • 10,000 bonus rewards points after you spend $1,000 in the first 3 months(worth $100 Cash Back)

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 merchant locations that are classified in any of the following merchant category codes: service stations 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 were earned. 2 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. If you're approved for a new Premier Rewards American Express Card, one-time bonus points will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening. Please allow 6-8 weeks after you have met the spend requirements for your bonus points to be credited to your account.

Build Your Credit1

Visa® Secured Card

  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card
  • Flexible credit lines based on a security deposit ranging from $300 to $5,000
  • Low annual fee

1Late payments and going over the credit limit may damage your credit history

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Business Credit Cards

Our Visa® Business credit cards come with a variety of important business features including award-winning expense management tools, free employee cards, and added security benefits including EMV smart chip technology.

Enjoy a Longer Intro Rate

Visa® Business Card

  • Save on interest and pay down your other credit card balances faster
  • Non-Rewards

Earn Valuable Rewards

Visa® Business Cash Card

  • Earn 3% cash back on all eligible net purchases from office supply stores and cellular phone, landline, internet and cable TV services1
  • Earn 2% cash back on eligible restaurant and gasoline net purchases1
  • $25 cash back awarded after first purchase2

Cash Rewards: "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as points and each $0.01 in Cash Back Rewards earned is equal to 1 point. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant's code is not eligible.  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 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 as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will 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 merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants.  The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers or restaurants is unlimited.  Points expire five years from the end of the quarter in which they are earned.  2 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. If you're approved for a new Premier Rewards American Express Card, one-time bonus points will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening. Please allow 6-8 weeks after you have met the spend requirements for your bonus points to be credited to your account.

Visa® Business Real Rewards Card

  • Earn 1.5 Points monthly for every $1 you spend on eligible net purchases(equal to 1.5% Cash Back)
  • No caps or limits on the number of points you can earn and you have five years to redeem for rewards1
  • 2,500 bonus rewards points awarded after first purchase, redeemable for:
    • $25 Cash Back or
    • Merchandise or
    • Gift Cards or
    • Save towards Travel

1 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. 2 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. If you're approved for a new Premier Rewards American Express Card, one-time bonus points will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening. Please allow 6-8 weeks after you have met the spend requirements for your bonus points to be credited to your account.

Visa® Business Rewards PLUS Card

  • Earn 3 points for every $1 of purchases in the category you spend the most on: cellular phone services, hotel or airline1
  • Earn 1.5 Points for every $1 spent on all other eligible net purchases
  • 20,000 bonus rewards points after you spend $2,000 in the first 3 months, redeemable for:
    • $200 Cash Back or
    • Merchandise or
    • Gift Cards or
    • Save towards Travel

Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account. You may earn additional points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a "Category"). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the "Highest Category") during each billing cycle. 2 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. If you're approved for a new Premier Rewards American Express Card, one-time bonus points will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening. Please allow 6-8 weeks after you have met the spend requirements for your bonus points to be credited to your account.

Apply Now