Consumer Credit Cards

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!

No matter which card you choose, you'll enjoy important features like:
  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!
To learn more, click on the button below.

*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. 

There are different types of reward credit cards. You can earn rewards for travel, cash back and more. Each time you make a purchase with a rewards credit card (check with each card on purchase limitations) you can earn cash back, points or rewards for travel like miles or hotels.  This can be a great option if you can be disciplined and pay down the balance of the credit card each month. Most rewards credit cards offer cash back options for utilizing the card for online shopping, dining and entertainment, grocery stores and gas stations, etc.

Cash rewards are typically redeemed into a checking or savings account with the financial institution that you bank with. It could also be a statement credit on your credit card account or given as a rewards card. It is always best to read the terms and conditions on whichever card you choose. Look for the options on how to redeem your rewards.

Credit cards can be one of the easier ways to help build up your credit. If you use a credit card regularly and make regular on time payments, and never fully max out your credit card limit, this can be a great way to improve your credit score. The typical rule of thumb is to keep the balance on the card at a 10% utilization ratio. Example: If your credit card limit is $3,000, you should keep your balance at $300 or lower. Preferably you can be disciplined enough to pay it off each month after purchases.