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Limited time offer

Zero is the Best Rate

0% intro APR* on purchases and balance transfers for 25 billing cycles.
After that, a variable APR, currently 9.99% - 17.99%

See terms & conditions.
Apply now
Marion County State Bank

Platinum Card

0% intro APR* on purchases and balance transfers for 25 billing cycles.
After that, a variable APR, currently 9.99% - 17.99%

See terms & conditions.
Apply now

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LIMITED TIME OFFER

Zero is the Best Rate

0% intro APR* on purchases and balance transfers for 20 billing cycles.

After that a variable APR, currently 11.99% to 20.99%.

See terms & conditions.
Apply Now
Marion County State Bank

Business Card

0% intro APR* on purchases and balance transfers for 20 billing cycles.

After that a variable APR, currently 11.99% to 20.99%.

See terms & conditions.
Apply Now

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Platinum Card

Enjoy the everyday convenience of a credit card while saving on interest with a low introductory rate.

Platinum Card

Platinum Card

Enjoy the everyday convenience of a credit card while saving on interest with a low introductory rate.

  • Intro APR* for Purchases and Balance Transfers: Platinum: 0% introductory APR for the first 20 billing cycles. After that, 13.49% to 23.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • You could save on interest and pay down on your other credit card balances faster

  • Get the flexibility to pay in full or pay down over time

  • Annual Fee: None See terms & conditions.

Max Cash Preferred Card1

Get more value with up to 5% cash back in 2 categories you choose.

Max Cash Preferred Card1

Max Cash Preferred Card1

Get more value with up to 5% cash back in 2 categories you choose.

  • APR for Purchases: 14.49% to 23.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • Intro APR* for Balance Transfers: 0% introductory APR for the first 12 billing cycles for balances transferred within 366 days from account opening. After that, 14.49% to 23.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • 2% unlimited cash back on one everyday category of your choice

  • 1% unlimited cash back on all other eligible purchases

  • $150 bonus reward after you spend $500 within first 90 days of account opening

  • Annual Fee: None See terms & conditions.

Real Rewards Card2

Earn 1.5 points for every $1 you spend on eligible net purchases (equal to 1.5% cash back).3

Real Rewards Card2

Real Rewards Card2

Earn 1.5 points for every $1 you spend on eligible net purchases (equal to 1.5% cash back).3

  • Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 14.49% to 23.49% based on your creditworthiness when you open your account. Platinum Real Rewards: 14.49% to 23.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • Get 2,500 bonus points after your first purchase4

  • Redeem your points for cash back, travel, merchandise or gift cards

  • Annual Fee: None See terms & conditions.

Secured Card

A card that's perfect for anyone who wants to improve or establish their credit.5

Secured Card

Secured Card

A card that's perfect for anyone who wants to improve or establish their credit.5

  • APR for Purchases and Balance Transfers: Secured: 23.99% This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • Enjoy the convenience of credit, including the option to carry a balance

  • Earn interest on your companion secured savings account

  • Annual Fee: None See terms & conditions.

Business Card

Save on interest with an extended low introductory rate.

Marion County State Bank

Business Card

Save on interest with an extended low introductory rate.

  • Intro APR* for Purchases and Balance Transfers: Business: 0% introductory APR for the first 20 billing cycles. After that, 11.99% to 20.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • Save on interest with a great low rate

  • Use for large purchases, unexpected expenses or last-minute necessities

  • You could save on interest and pay down your other credit card balances faster

  • Annual Fee: None See terms & conditions.

Smart Business Rewards Card1

More Rewards. Less Rules. No Point Limits. Earn 2X rewards in your top 2 categories.

Marion County State Bank

Smart Business Rewards Card1

More Rewards. Less Rules. No Point Limits. Earn 2X rewards in your top 2 categories.

  • APR for Purchases and Balance Transfers: 15.99% to 20.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • 2X points per $1 spent in your top two spend categories each month - Automatically

  • 1X points monthly per $1 spent on other eligible purchases

  • 20,000 bonus rewards points (equal to $200) rewarded when you spend $500 within first 90 days of account opening2

  • Annual Fee: $0 introductory annual fee for the first 12 months, After that $95 for the first year and every year after it will be $95 for Account Owners and $0 for Authorized Employees. See terms & conditions.

Business Cash Card4, 3

Earn up to 3% cash back on eligible net business purchases.

Marion County State Bank

Business Cash Card4, 3

Earn up to 3% cash back on eligible net business purchases.

  • Intro APR* for Purchases and Balance Transfers: Business Cash: 0% introductory APR for the first 6 billing cycles. After that, 13.99% to 22.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • Earn 2% cash back on eligible net purchases at restaurants and gas stations4

  • Earn 1% cash back on all other eligible net purchases4

  • $25 cash back awarded after your first purchase5

  • Annual Fee: None See terms & conditions.

Business Real Rewards Card6, 3

Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).5

Marion County State Bank

Business Real Rewards Card6, 3

Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).5

  • Intro APR* for Purchases and Balance Transfers: Business Real Rewards: 0% introductory APR for the first 6 billing cycles. After that, 13.99% to 22.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • 2,500 bonus rewards points awarded after first purchase5

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)6

  • Annual Fee: None See terms & conditions.

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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.


Subject to credit approval.


  • *The introductory rate does not apply to cash advances. For the Max Cash Preferred card, the introductory rate does not apply to purchases. 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.
  • 1If 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. 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. Rewards are earned on eligible net purchases. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, within seven business days, as a statement credit to your credit card account within one to two billing cycles or as or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active.
  • 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 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).
  • 3You 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.
  • 4Reward points can be redeemed as a cash deposit to a checking or saving 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 purchases and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
  • 5Late 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.

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.

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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.


Subject to credit approval.


  • *The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply payments to balances with lower APRs, including promotional APRs, before balances with higher APRs.
  • 1Smart Business Rewards Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant spend categories ("Highest Categories") each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Please visit https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories. 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. Points expire five years from the end of the quarter in which they are earned.
  • 2A one time bonus of 20,000 points will be awarded if you are approved and eligible. Net Purchases totaling $500 or more are made on the Account Owner's card within the first 90 days of account opening. The Account Owner's Card is the card assigned to the initial applicant of the account and would not include cards used by authorized employees. Net purchases are purchases minus credits and returns. Rewards are earned based on eligible net purchases. Not all transactions are eligible to earn rewards, such as Cash Advances, Balance Transfers, and Convenience Checks. Upon approval, see your Cardmember Agreement for details. Please allow 6-8 weeks for your bonus points to be credited to your account.
  • 3The 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).
  • 4Cash Rewards: "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point earned is equal to $0.01 when redeemed. 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 earn additional Points as follows for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified as automated fuel dispensers and service stations or restaurants (1 additional Point); and office supply stores or cellular phone, landline, internet and cable TV services (2 additional Points). Office furniture stores, direct marketing services and printing services may not qualify as office supply stores. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.
  • 5Reward 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. First use bonus points are awarded only on the Authorized Officer purchases. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
  • 6Real 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.

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.

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