Falcon National Bank Credit Cards
FEATURED CREDIT CARD OFFERS
PLATINUM CARD
EVERYDAY REWARDS+ CARD
MAX CASH PREFERRED CARD
PLATINUM CARD
EVERYDAY REWARDS+ CARD
MAX CASH PREFERRED CARD
Meet your new favorite credit card
Apply Now for PLATINUM CARD
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See how much you could save with a balance transfer
Limited Time Offer
PLATINUM CARD
Enjoy the everyday convenience of a credit card while saving on interest with an extended low introductory rate
0% intro APR* for 18 billing cycles
That's a full 18 months without interest! See Terms & Conditions for Platinum Card
Easily add to your mobile device for simple, secure payment
Make mobile purchases with compatible Apple®, Android® or Samsung® phones
Now pay over time with a Card ExtendPay plan
Split purchases into affordable payments with no interest – just a low, fixed monthly fee*
Monitor your account online
You can conveniently check on your account through our mobile and online portals
Annual Fee: None See Terms & Conditions for Platinum Card
Intro APR* for Purchases and Balance Transfers: Platinum: 0% introductory APR for the first 18 billing cycles. After that, 17.74% to 28.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions for Platinum Card
Apply Now for EVERYDAY REWARDS+ CARD
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EVERYDAY REWARDS+ CARD
Earn up to 4X points AND receive 15,000 bonus points
4X points1
On dining, take-out & restaurant delivery^
2X points
At grocery stores,** gas stations and EV charging stations,** and eligible streaming services
Earn 15,000 points
(worth up to $1503)
When you spend $500 within the first 90 days2
1X points
On all other eligible purchases
^4x points on your first $2,000 each quarter, after that 1x points
**Excludes discount stores/supercenters and wholesale clubs
Annual Fee: None See Terms & Conditions for Everyday Rewards+ Card
Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, 18.49% to 28.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions for Everyday Rewards+ Card
Apply Now for MAX CASH PREFERRED CARD
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MAX CASH PREFERRED CARD
Get more value with up to 5% cash back in 2 categories you choose5
5% cash back
In two categories of your choice – first $2,000 in combined purchases each quarter5
$150 bonus
Awarded when you spend $500 within the first 90 days6
2% unlimited cash back5
On one everyday category of your choice
1% unlimited cash back
On all other eligible purchases
APR for Purchases
18.49% to 28.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions for Max Cash Preferred Card
Annual Fee: None See Terms & Conditions for Max Cash Preferred Card
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, 18.49% to 28.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions for Max Cash Preferred Card
Apply Now for TRAVEL REWARDS+ CARD
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TRAVEL REWARDS+ CARD
Earn 4X points on eligible travel and more, plus receive 25,000 bonus points
4X points7
On eligible travel, gas stations and EV charging stations,** entertainment, and recreation purchases
1.5X points
On all other eligible purchases
Earn 25,000 points
(worth up to $2503)
When you spend $2,000 within the first 120 days8
Airport Lounge Access
Complimentary Priority Pass™ Select Membership that gives access to more than 1,700 VIP lounges and experiences9
**Excludes discount stores/supercenters and wholesale clubs
Annual Fee: $0 introductory annual fee for the first 12 months. After that, $99 See Terms & Conditions for Travel Rewards+ Card
APR for Purchases and Balance Transfers: 18.74% to 28.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions for Travel Rewards+ Card
Apply Now for RESERVE REWARDS+ CARD
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RESERVE REWARDS+ CARD
Enjoy premium rewards and benefits, plus receive 50,000 bonus points
Earn 50,000 bonus points
(worth up to $5004)
When you spend $4,500 within the first 90 days11
6X points
On prepaid travel booked directly in the Rewards Center when you use your card10
2X points
On all other eligible purchases
Airport Lounge Access
Complimentary Priority Pass™ Select Membership that gives access to more than 1,700 VIP lounges and experiences9
Annual Fee: $390 See Terms & Conditions for Reserve Rewards+ Card
APR for Purchases and Balance Transfers: 18.74% to 28.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions for Reserve Rewards+ Card
COLLEGE REAL REWARDS CARD
Earn 1.5 points for every $1 you spend on eligible purchases13 and work towards building a strong financial future12
Get 2,500 bonus points
(worth up to $253)
After your first purchase13
1.5X points
Per $1 spent on all eligible purchases
Easily add to your mobile device for simple, secure payments
Make mobile purchases with compatible Apple®, Android® or Samsung® phones
Choose your rewards3
Redeem your points for cash back4, travel, merchandise or gift cards
Annual Fee: None See Terms & Conditions for College Real Rewards Card
Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 18.49% to 28.74% based on your creditworthiness when you open your account. Platinum Real Rewards: 18.49% to 28.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions for College Real Rewards Card
MAX CASH SECURED CARD
Make improving your credit score11 even more rewarding with up to 5% cash back in 2 categories you choose5
5% cash back
In two categories of your choice – first $2,000 in combined purchases each quarter5
2% unlimited cash back5
On your choice of one everyday category like gas stations and EV charging stations or grocery stores**
1% unlimited cash back
On all other eligible purchases
Zero Fraud Liability4
You are protected against fraudulent purchases when your card is lost or stolen
**Excludes discount stores/supercenters and wholesale clubs
Annual Fee: None See Terms & Conditions for Max Cash Secured Card
APR for Purchases and Balance Transfers: 29.24% This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions for Max Cash Secured Card
SECURED CARD
A card that's perfect for anyone who wants to improve or establish their credit12
Zero Fraud Liability
You are protected against fraudulent purchases when your card is lost or stolen
Free Credit Score access
Watch your credit build or rebuild over time1
Automatic Bill Pay
Don't worry about regular payments with this convenient feature
Account Alerts
Notifications will help you keep an eye on your accounts
Annual Fee: None See Terms & Conditions for Secured Card
APR for Purchases and Balance Transfers: Secured: 28.24% This APR will vary with the market and is based on the Prime Rate. See Terms & Conditions for Secured Card
Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its affiliates as provided under the Program Rules and applicable law.
Subject to credit approval.
- The Elan Reward 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. Account must be open and in good standing (not past due or overlimit) to earn and redeem rewards and benefits. 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).
- *The introductory rate does not apply to cash advances. For the Max Cash Preferred card, the introductory rate also does not apply to purchases. Balance Transfer Information: Balance transfer transactions from other Elan Financial Services accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 1-800-558-3424. After 10 days from account opening, requests to stop payment on Balance Transfer Check(s) issued by Elan shall not be honored unless the check(s) has been stolen, lost or destroyed. Balance Transfer fee of 5% 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. If you take advantage of this offer, you may not be able to avoid interest on future purchases, even if your offer has a 0% APR. You can avoid interest on purchases if you pay your entire account balance, including any balances you create with this offer, in full by your due date each month.
- 1 Everyday Rewards+ Card: You will earn 1 Point per dollar spent on eligible Net Purchases charged to your Account during each billing cycle. In addition, you will earn 4 Points (1 base Point and 3 bonus Points) per dollar spent on eligible Net Purchases for your first $2,000 each quarter, 1 Point after quarterly maximum, during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 2 Points (1 base Point and 1 bonus Point) per dollar spent on eligible Net Purchases during each billing cycle at merchants classified as gas station and electric vehicle charging station (at wholesale clubs, discount stores/supercenters and grocery stores/supermarkets will only earn 1 Point), grocery store and supermarket (at wholesale clubs and discount stores/supercenters such as Target and Walmart will only earn 1 Point), and qualifying streaming subscription services. Refer to your Program Rules for a list of qualifying streaming services. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. Points expire 5 years from when they are earned, refer to your Program Rules for full details.
- 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 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.
- 3 Maximum Point value applies to Points redeemed for a deposit into an eligible Bank 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 statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.
- 4 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 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.
- 5 Max Cash Preferred Card and Max Cash Secure 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 (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your one chosen 2% (1% base & 1% bonus) category. Purchases in the following everyday categories: Grocery Store/Supermarket and Gas Station/EV Charging Stations at Wholesale clubs, discount stores/supercenters such as Target and Walmart will only earn 1%. All other Net Purchases earn 1% cash back. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. 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 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. Refer to your Program Rules for full details.
- 6 If you’re approved for a new Max Cash Preferred Card, a 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 1-2 statement billing cycles for your bonus to appear on your credit card statement.
- 7 Travel Rewards+ Card: You will earn 1.5 Points per dollar spent on eligible Net Purchases charged to your Account during each billing cycle. In addition, you will earn 4 Points (1.5 base Points and 2.5 bonus Points) per dollar spent on 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 and electric vehicle charging station (at wholesale clubs, discount stores/supercenters and grocery stores/supermarkets will only earn 1 Point), entertainment, and recreation category codes. Net Purchases are purchases minus credits and returns. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. 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 such as Ticketmaster® and StubHub®. Entertainment purchases that may not be eligible include tickets purchased from colleges and universities, associations, schools, and charitable organizations. Merchants classified as Recreation include: sports and recreation facilities that charge membership fees, sporting goods stores, public golf courses, fitness centers, ongoing fitness subscriptions, recreational vehicle parks and campsites, dance studios and schools, and bowling centers. Purchases from third parties and consultants at these locations may not qualify. Points expire 5 years from when they are earned, refer to your Program Rules for full details.
- 8 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.
- 9 Certain terms, conditions and exclusions apply. Number of lounges and experiences is subject to change. Cardholders must enroll to receive a 12-month Priority Pass Select membership to access, with their accompanying guests, airport VIP lounges worldwide that participate in the Priority Pass Select program. Enrollment with no membership fee is limited to one account cardholder (including authorized users). Please view the Guide to Benefits (Reserve Rewards+: mycardgtb.com/reserverewardsvs or mycardgtb.com/reserverewardsmc; Travel Rewards+: mycardgtb.com/travelrewardsvs or mycardgtb.com/travelrewardsmc) for further card benefit details including full terms and conditions.
- 10 Reserve Rewards+ Card: You will earn 2 Points per dollar spent on eligible Net Purchases charged to your Account during each billing cycle. In addition, you will earn 6 Points (2 base Points and 4 bonus Points) per dollar spent on eligible Net Purchases for prepaid airfare, car rental, and hotel reservations booked directly in the Rewards Center using your rewards credit card instead of Points. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. Points expire 5 years from when they are earned, refer to your Program Rules for full details.
- 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.
- 12 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.
- 13 College Real Rewards Card: If you are approved for a new College Real Rewards Card, you will earn 1.5 Reward Points ("Points") per dollar spent on 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 5 years from when they are earned, refer to our Program Rules for full details. Reward points can be redeemed as a cash deposit to a checking or saving account with this Financial Institution only, within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles. First purchase bonus points (2,500) will be applied 1-2 statement billing cycles after first purchases and are not awarded for balance transfers or cash advances. Please allow 1-2 statement billing cycles after you have met the spend requirement for your bonus points to be credited to your account.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to a license 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.