Credit Cards
Imagine a credit card that not only understands your needs but also rewards you for fulfilling them. Our selection of credit cards provides more than a simple payment option—they serve as your partner towards financial empowerment. It's time to demand more from your card, and we are committed to offering exactly that. We've partnered with Elan™ Financial Services to offer you convenient and flexible purchasing power to allow you to get to where you want to be.
We have a Credit Card that's right for you!
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Unlock the joy of rewards with our credit cards, celebrating your choices with cash back that brings dreams closer with every purchase, from coffee to concert tickets. Complement your lifestyle with a card that turns daily spends into points for endless rewards, from groceries to getaways. Plus, start with a bang thanks to our introductory rate, immersing you in savings and superior benefits from day one. Join us in a world where your spending not only rewards but also reflects your aspirations, paving the path to financial freedom with every swipe.
Featured Card
Platinum Card
Just right for large expenses.
Save on interest with a great low introductory rate for an extended time.
- Use for large purchases, unexpected expenses or last minute necessities.
- Pay down your other high-rate credit card balances faster.
- Non-rewards.
Featured Card
Everyday Rewards+ Card
- 4X points on dining1, takeout & restaurant delivery.^
- 2X points at grocery stores**
- 2X points at gas stations and EV charging stations**
- Earn 15,000 bonus points (worth up to $1503) when you spend $500 within the first 90 days.
^4X points on your first $2,000 each quarter, after that 1X points
**excludes discount stores/supercenters and wholesale clubs.
Featured Card
Max Cash Preferred Card
The freedom to choose and the power to earn.
- 2% unlimited cash back on one everyday category of your choice5
Featured Card
Travel Rewards+ Card
Exclusive rewards on travel and frequent purchases.
- 4X points at gas stations and EV charging stations (excludes discount stores/supercenters and wholesale clubs)8
More personal credit cards to choose from:
Join our community to not only become part of something special, but a community that values growth and sensible spending. Discover a world of convenience with credit card choices designed with you in mind, our cards reward every purchase, turning everyday spending into a pathway to your dreams. Apply now to start this rewarding relationship, and together, we'll ensure every swipe not only counts but leads you closer to your goals.Reserve Rewards+ Card
Earn 50,000 bonus points (worth up to $5003) when you spend $4,500 within the first 90 days
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Earn 50,000 bonus points (worth up to $5003) when you spend $4,500 within the first 90 days
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Max Cash Secured Card
5% Cash Back on two categories
you choose –first $2,000 in combined
purchases each quarter5
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5% Cash Back on two categories
you choose –first $2,000 in combined
purchases each quarter5
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Secured Card
If you need to improve or re-establish your credit history6, here's a great way to begin that process.
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If you need to improve or re-establish your credit history6, here's a great way to begin that process.
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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 considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Subject to applicable law, you may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
1 Everyday Rewards+ Card: You will earn 1 Point for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 3 additional Points (4 Points total) for every $1 in eligible net purchases each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. IMPORTANT CHANGE: Effective April 22, 2025, you will earn 3 Points (4 Points total) for every $1 on your first $2,000 each quarter on restaurant, fast-food restaurant or bar purchases. You will earn 1 additional Point (2 Points total) for every $1 on purchases in the following categories: grocery store and supermarket (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart); gas station and electric vehicle charging stations (excluding wholesale clubs, discount stores/supercenters and grocery stores/supermarkets) and qualifying streaming subscription services. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. A purchase will not earn additional Points if the merchant's selected code is in a category that is not eligible for additional Points earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional Points. Points expire five years from the end of the quarter in which they are earned.
2 If you’re approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.
3 Maximum Point value applies to points redeemed as a cash deposit into an eligible checking or savings account with this Financial Institution. The redemption value may be different if you choose to redeem your points for other rewards such as travel, merchandise, gift cards, and/or a statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.
4 If you’re approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points ($150 value) will be awarded after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.
Maximum Point value applies to points redeemed as a cash deposit into an eligible checking or savings account with this Financial Institution. The redemption value may be different if you choose to redeem your points for other rewards such as travel, merchandise, gift cards, and/or a statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.
5 Max Cash Preferred Card and Max Cash Secured Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. IMPORTANT CHANGE: Effective April 22, 2025, all purchases in the following everyday categories: Grocery Stores/Grocery Delivery and Gas Stations/EV Charging Stations at wholesale clubs and discount stores/supercenters such as Target and Walmart will only earn 1%. A purchase will not earn additional cash back if the merchant's selected code is in a category that is not eligible for additional cash back earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional cash back. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within 1-2 statement billing cycles or as a Rewards Card. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice. Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.
IMPORTANT CHANGE: Effective April 22, 2025, all purchases in the following everyday categories: Grocery Stores/Grocery Delivery and Gas Stations/EV Charging Stations at wholesale clubs and discount stores/supercenters such as Target and Walmart will only earn 1%
6 Late payments or going over the credit limit may damage your credit history. Your credit limit will be equal to the amount of your security deposit.
7 Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice.
8 Travel Rewards+ Card: You will earn 1.5 Points for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 2.5 Points (4 Points total) for every $1 in eligible net purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station, electric vehicle charging station, entertainment, and recreation category codes. IMPORTANT CHANGE: Effective April 22, 2025, you will earn 2.5 Points (4 Points total) for every $1 in eligible net purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station, electric vehicle charging station (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), entertainment, and recreation category codes. Additional Points for Entertainment and Recreation purchases are dependent on how merchants choose to classify their business. Merchants classified as Entertainment include: most cinemas, theme parks, concert venues, professional sports venues, and qualifying ticket sellers. Merchants classified as Recreation include: sports and recreation facilities that charge membership fees, sporting goods stores, public golf courses, fitness centers, dance studios and schools, and ongoing fitness subscriptions. Purchases from third parties and consultants at these locations may not qualify. A purchase will not earn additional Points if the merchant's selected code is in a category that is not eligible for additional Points earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional Points. Points expire five years from the end of the quarter in which they are earned.
9 If you’re approved for a new Travel Rewards+ Card, a one-time 25,000 bonus points will be awarded after eligible net purchases totaling $2,000 or more are made to your account within 120 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.
10 Reserve Rewards+ Card: You will earn two (2) Points for every $1 dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn four (4) additional Points (6 Points total) for every $1 in eligible Net Purchases spent on airline tickets, car rental, and hotel reservations booked directly in the Rewards Center using your rewards credit card instead of Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Points expire five years from the end of the quarter in which they are earned.
11 If you’re approved for a new Reserve Rewards+ Card, a one-time 50,000 bonus points will be awarded after eligible net purchases totaling $4,500 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.