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Credit cards.Pick the card with the perks you want.

We've partnered with Elan Financial Services to offer five Visa® personal credit card options for our members.

Credit Card Options

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you.

Sample of Visa Signature Real Rewards credit card

Visa Signature® Real Rewards

Earn 1.5 points monthly for every dollar you spend on eligible net purchases.1

No annual fee.

No cap or limit on the points you can earn.

Learn more about Visa Signature Real Rewards.

Apply Now
Sample of Visa Signature Max Cash Preferred credit card

Visa Signature® Max Cash Preferred

Earn 5% cash back on first $2,000 of combined quarterly purchases from two categories of your choice.2

Earn 2% unlimited cash back from one category.

Earn 1% unlimited cash back on all other eligible purchases.

No annual fee.

Learn more about Visa Signature Max Cash Preferred.

Apply Now
Sample of Visa Platinum credit card

Visa® Platinum

No annual fee.

Save on interest and pay down other credit card balances faster.

Introductory 0.00% APR for the first 15 billing cycles on purchases and balance transfers.3

Learn more about Visa Platinum.

Apply Now
Sample of Secured Visa credit card

Secured Visa®

Improve or re-establish your credit history.

No annual fee.

Earn dividends on your secured savings account.

Learn more about Secured Visa.

Apply Now
Sample of Visa Signature College Real Rewards credit card

Visa Signature® College Real Rewards

Earn 1.5 points monthly for every dollar you spend on eligible net purchases.1

No annual fee.

No cap or limit on the points you can earn.

Learn more about Visa Signature College Real Rewards.

Apply Now

1You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back).

2The 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 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). If you're approved for a new Max Cash Preferred Card, one-time $150 bonus will be awarded for redemption 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. Max Cash Preferred 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. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. 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 one to two billing cycles or as a Rewards Card ($25 minimum redemption). 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.
(b) Program Rules. Complete terms and conditions for the Rewards Program, (the "Program"), including rules regarding the redemption, expiration, loss or cancellation of Points, award thresholds, eligibility, participation, and our right to amend or terminate the Program, are set forth in our Rewards Program Rules (the "Program Rules") that are provided to you separately. The Program Rules will exclusively govern the terms of the Program and, with respect to the Rewards Program, to the extent the Program Rules conflict with the terms of this Cardmember Agreement or any other materials the Program Rules will control. We reserve the right to amend or cancel the Program or change Program benefits at any time with or without notice to you. Please review the Program Rules and FAQ online through the Rewards Center.

3The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.