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Vast Bank

Business Cash Preferred Card

3% Cash Back for your Business at gas stations, cell phone services providers, office supply stores, dining, including take-out and delivery service purchases!

Apply Now for Vast Bank Business Cash Preferred Credit Card
FEATURED OFFER

Triple Cash Back4

3% Cash Back for your Business at gas stations, cell phone services providers, office supply stores, dining, including take-out and delivery service purchases!

Apply Now for Vast Bank Business Cash Preferred Credit Card
NEW
Platinum Card

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

Platinum Card

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

  • Intro APR* for Purchases and Balance Transfers: Platinum: 0% introductory APR for the first 18 billing cycles. After that, 18.24% to 29.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Vast Bank Platinum Card See terms & conditions.

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

     

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

  • Annual Fee: None Vast Bank Platinum Card See terms & conditions.

NEW
EVERYDAY REWARDS+ CARD

Earn up to 4x unlimited points AND receive a $150 bonus

EVERYDAY REWARDS+ CARD

Earn up to 4x unlimited points AND receive a $150 bonus

  • Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, 19.49% to 29.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Vast Bank Everyday Rewards+ Card See terms & conditions.

  • 4x unlimited points

    on dining, take-out & food delivery1

     

    2x unlimited points

    at grocery stores, grocery delivery, gas stations and streaming services

     

    1x unlimited points

    on all other eligible purchases

     

    Earn 15,000 points

    when you spend $500 within the first 90 days of account opening

     

    Redeem points for Travel, Cash Back and More

  • Annual Fee: None Vast Bank Everyday Rewards+ Card See terms & conditions.

NEW
MAX CASH PREFERRED CARD2, 3

Get more value with up to 5% cash back in 2 categories you choose2.

MAX CASH PREFERRED CARD2, 3

Get more value with up to 5% cash back in 2 categories you choose2.

NEW
TRAVEL REWARDS+ CARD

Earn 4x unlimited points on travel and more, plus receive a $250 bonus7.

TRAVEL REWARDS+ CARD

Earn 4x unlimited points on travel and more, plus receive a $250 bonus7.

  • APR for Purchases and Balance Transfers: 19.74% to 29.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Vast Bank Travel Rewards+ Card See terms & conditions.

  • 4x unlimited points

    on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases7

     

    1.5x unlimited points

    on all other eligible net purchases

     

    Earn 25,000 points

    when you spend $2,000 within the first 120 days of account opening

     

    Redeem points for travel, cash back7 and more

  • Annual Fee: $0 introductory annual fee for the first 12 months. After that, $99 Vast Bank Travel Rewards+ Card See terms & conditions.

NEW
RESERVE REWARDS+ CARD

Enjoy premium rewards and benefits, plus receive a $500 bonus8.

RESERVE REWARDS+ CARD

Enjoy premium rewards and benefits, plus receive a $500 bonus8.

  • APR for Purchases and Balance Transfers: 19.74% to 29.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Vast Bank Reserve Rewards+ Card See terms & conditions.

  • 6x unlimited points

    on travel booked through the Rewards Center8

     

    2x unlimited points

    on all other eligible net purchases

     

    Earn 50,000 points

    when you spend $4,500 within the first 90 days of account opening

     

    Redeem points for travel, cash back8 and more

  • Annual Fee: $390 Vast Bank Reserve Rewards+ Card See terms & conditions.

NEW
COLLEGE REAL REWARDS CARD3, 6

Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back)6 and work towards building a strong financial future.4

Vast Bank College Real Rewards Card

COLLEGE REAL REWARDS CARD3, 6

Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back)6 and work towards building a strong financial future.4

  • Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 19.49% to 29.74% based on your creditworthiness when you open your account. Platinum Real Rewards: 19.49% to 29.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Vast Bank College Real Rewards Card See terms & conditions.

  • Get 2,500 bonus points

    After your first purchase6

     

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

  • Annual Fee: None Vast Bank College Real Rewards Card See terms & conditions.

NEW
MAX CASH SECURED CARD3, 5

Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose.5

Vast Bank Max Cash Secured Card

MAX CASH SECURED CARD3, 5

Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose.5

NEW
SECURED CARD

A card that's perfect for anyone who wants to improve or establish their credit.4

Vast Bank Secured Card

SECURED CARD

A card that's perfect for anyone who wants to improve or establish their credit.4

NEW
BUSINESS CASH PREFERRED CARD3, 4

Reward your business and earn up to 3% cash back on eligible net business purchases.

BUSINESS CASH PREFERRED CARD3, 4

Reward your business and earn up to 3% cash back on eligible net business purchases.

  • Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, 19.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Vast Bank Business Cash Preferred Card See terms & conditions.

  • Earn 3% cash back

    on eligible purchases at gas stations, office supply stores, restaurants and more4

     

    Earn 1% unlimited cash back

    on all other eligible net purchases

     

    $25 cash back awarded

    after your first purchase5

     

    $100 Annual software credit

    after 11 consecutive monthly software transactions7

  • Annual Fee: None Vast Bank Business Cash Preferred Card See terms & conditions.

NEW
BUSINESS CARD

Save on interest with an extended low introductory rate.

Vast Bank Business Card Card

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 18 billing cycles. After that, 17.24% to 26.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Vast Bank Business Card Card 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 Vast Bank Business Card Card See terms & conditions.

NEW
SMART BUSINESS REWARDS CARD1

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

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: 21.24% to 26.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. Vast Bank Smart Business Rewards Card See terms & conditions.

  • 2X points per $1 spent1

    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 the first 90 days of account opening2

  • Annual Fee: $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees. Vast Bank Smart Business Rewards Card See terms & conditions.

NEW
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

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

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 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 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 800-285-8585. 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 3% of each transfer amount, $5 minimum will apply. For the Platinum card, a 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 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. Everyday 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 additional Points for the following: You will earn 3 additional Points for every dollar in eligible net purchases during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 1 additional Point for every dollar in eligible net purchases during each billing cycle at merchants classified as gas station, grocery store, supermarket or qualifying streaming subscription service. Refer to program rules for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. 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 a Rewards Card ($25 minimum redemption) Points expire five years from the end of the quarter in which they are earned.
  • 2 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 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. Spend over the $2,000 quarterly cap/limits for the 5% categories will 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. 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 a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active.
  • 3 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 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).
  • 4 Late payments or going over the credit limit may damage your credit history. For the Secured and Max Cash Secured products, your credit limit will be equal to the amount of your security deposit.
  • 5 If you're approved for a new 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. Spend over the $2,000 quarterly cap/limits for the 5% categories will 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. 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 a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active
  • 6 If you are approved for a new College Real Rewards Card, 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. Reward 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 (2,500) 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
  • 7 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. Travel Rewards+ Card: You will earn one and one-half (1.5) Points for every $1 dollar 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 2.5 additional Points for every $1 in 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. 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. 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. 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.
  • 8 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. 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.
 

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.

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 Cardmember Agreement and applicable law.

 

Subject to credit approval.

 
  • *The introductory rate does not apply to cash advances. Balance Transfer Information: Balance transfer transactions from other Elan Financial Services accounts are not permitted. 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 Authorized Officer's card within the first 90 days of account opening. These bonus points will be awarded on your monthly billing statement. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. 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 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).
  • 4Business Cash Preferred Card: You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other net purchases will earn 1% cash back. Purchases at gas stations greater than $200 are not considered an automotive gasoline purchase and will therefore earn 1% cash back. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within one to two billing cycles, or as a statement credit to your credit card account within one to two billing cycles, or a Rewards Card ($25 minimum redemption).
  • 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.
  • 7Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.
 

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.

Cardmember Agreements

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