Platinum Card
Zero is here!
Enjoy an extended low introductory rate
Business Cash Preferred Card
Cash Back5
Low Intro APR* - 18 months
See how much you could save with a balance transfer-
Intro APR* for Purchases and Balance Transfers: Platinum: 0% introductory APR for the first 18 billing cycles. After that, 17.99% to 28.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First National Bank In Olney 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
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Annual Fee: None First National Bank In Olney Platinum Card See terms & conditions.
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Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, 18.74% to 28.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First National Bank In Olney Everyday Rewards+ Card See terms & conditions.
4X points1
on dining, take-out & restaurant delivery^
2X points
at grocery stores,** gas stations and EV charging stations,** and streaming services
1X points
on all other eligible purchases
Earn 15,000 points (worth up to $1503)
when you spend $500 within the first 90 days2
Redeem points3 for your choice of cash back4, gift cards, merchandise, and travel
^4x points on your first $2,000 each quarter, after that 1x points
**excludes discount stores/supercenters and wholesale clubs-
Annual Fee: None First National Bank In Olney Everyday Rewards+ Card See terms & conditions.
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APR for Purchases: 18.74% to 28.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First National Bank In Olney Max Cash Preferred Card See terms & conditions.
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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, 18.74% to 28.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First National Bank In Olney Max Cash Preferred Card See terms & conditions.
5% cash back
in two categories of your choice – first $2,000 in combined purchases each quarter5
2% unlimited cash back5
on one everyday category of your choice
1% unlimited cash back
on all other eligible purchases
$150 bonus awarded
when you spend $500 within the first 90 days6
Redeem cash back5
as a statement credit, rewards card, or as a deposit to a qualifying account5
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Annual Fee: None First National Bank In Olney Max Cash Preferred Card See terms & conditions.
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APR for Purchases and Balance Transfers: 18.99% to 28.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First National Bank In Olney Travel Rewards+ Card See terms & conditions.
4X points7
on 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
Redeem points3
for your choice of travel, cash back4, merchandise, and gift cards
**excludes discount stores/supercenters and wholesale clubs
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Annual Fee: $0 introductory annual fee for the first 12 months. After that, $99 First National Bank In Olney Travel Rewards+ Card See terms & conditions.
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APR for Purchases and Balance Transfers: 18.99% to 28.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First National Bank In Olney Reserve Rewards+ Card See terms & conditions.
6X points
on travel booked directly in the Rewards Center9
2X points
on all other eligible net purchases
Earn 50,000 bonus points (worth up to $5004)
when you spend $4,500 within the first 90 days10
Redeem points3
for your choice of travel, cash back4, merchandise, and gift cards
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Annual Fee: $390 First National Bank In Olney Reserve Rewards+ Card See terms & conditions.
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Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 18.74% to 28.99% based on your creditworthiness when you open your account. Platinum Real Rewards: 18.74% to 28.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First National Bank In Olney College Real Rewards Card See terms & conditions.
1.5X points
per $1 spent on all eligible purchases
Get 2,500 bonus points (worth up to $253)
after your first purchase12
Redeem points3
for your choice of travel, cash back4, merchandise, and gift cards
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Annual Fee: None First National Bank In Olney College Real Rewards Card See terms & conditions.
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APR for Purchases and Balance Transfers: 29.49% This APR will vary with the market and is based on the Prime Rate. First National Bank In Olney Max Cash Secured Card See terms & conditions.
5% cash back
in two categories of your choice – first $2,000 in combined purchases each quarter5
2% unlimited cash back5
on one everyday category of your choice
1% unlimited cash back
on all other eligible purchases
Redeem cash back
as a statement credit, rewards card, or as a deposit to a qualifying account5
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Annual Fee: None First National Bank In Olney Max Cash Secured Card See terms & conditions.
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APR for Purchases and Balance Transfers: Secured: 28.49% This APR will vary with the market and is based on the Prime Rate. First National Bank In Olney Secured Card See terms & conditions.
Enjoy the convenience of credit, including the option to carry a balance
Earn interest on your companion secured savings account
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Annual Fee: None First National Bank In Olney Secured Card See terms & conditions.
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Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, 18.24% to 27.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First National Bank In Olney Business Cash Preferred Card See terms & conditions.
5% cash back
on prepaid hotels and car rentals booked directly in the Rewards Center5
3% cash back
on eligible purchases at gas and EV charging stations (transactions of $200 or less),** cell phone service providers, office supply stores and dining, including takeout and food delivery service purchases5
1% cash back
per $1 spent on all other eligible purchases
$25 cash back
after your first purchase2
$100 annual software credit
after 11 consecutive monthly software transactions6
**excludes discount stores/supercenters and wholesale clubs
Annual Fee: None First National Bank In Olney Business Cash Preferred Card See terms & conditions.
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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. First National Bank In Olney Business Card Card See terms & conditions.
Save on interest with a great low introductory 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 First National Bank In Olney Business Card Card See terms & conditions.
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APR for Purchases and Balance Transfers: 19.24% 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. First National Bank In Olney Smart Business Rewards Card See terms & conditions.
5X points
on prepaid hotels and car rentals booked directly in the Rewards Center7
2X points
per $1 spent in your top two spend categories each month – automatically7
1X points
per $1 spent on all other eligible purchases
20,000 bonus points (worth up to $2003)
when you spend $500 on the Authorized Officer’s card within the first 90 days4,8
Annual Fee: $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees. First National Bank In Olney Smart Business Rewards Card See terms & conditions.
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Intro APR* for Purchases and Balance Transfers: Business Real Rewards: 0% introductory APR for the first 6 billing cycles. After that, 18.49% to 27.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First National Bank In Olney Business Real Rewards Card See terms & conditions.
5.5X points
on prepaid hotels and car rentals booked directly in the Rewards Center1
1.5X points
per $1 spent on all other eligible purchases
2,500 bonus points (worth up to $253)
awarded after first purchase2,4
Annual Fee: None First National Bank In Olney Business Real Rewards Card See terms & conditions.
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 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 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. 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 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 Everyday Rewards+ Card: You will earn 1 Point for every $1 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 (4 Points total) for every $1 in eligible net purchases each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. IMPORTANT CHANGE: Effective April 22, 2025, you will earn 3 Points (4 Points total) for every $1 on your first $2,000 each quarter on restaurant, fast-food restaurant or bar purchases. You will earn 1 additional Point (2 Points total) for every $1 on purchases in the following categories: grocery store and supermarket (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart); gas station and electric vehicle charging stations (excluding wholesale clubs, discount stores/supercenters and grocery stores/supermarkets) and qualifying streaming subscription services. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. 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. Points expire five years from the end of the quarter in which they are earned.
- 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 as a cash deposit into an eligible checking or savings 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 a 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 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. IMPORTANT CHANGE: Effective April 22, 2025, all purchases in the following everyday categories: Grocery Stores/Grocery Delivery and Gas Stations/EV Charging Stations at wholesale clubs and discount stores/supercenters such as Target and Walmart will only earn 1%. A purchase will not earn additional cash back if the merchant's selected code is in a category that is not eligible for additional cash back earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional cash back. 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 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.
- 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 for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 2.5 Points (4 Points total) for every $1 in 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, electric vehicle charging station, entertainment, and recreation category codes. IMPORTANT CHANGE: Effective April 22, 2025, you will earn 2.5 Points (4 Points total) for every $1 in 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, electric vehicle charging station (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), 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. Merchants classified as Recreation include: sports and recreation facilities that charge membership fees, sporting goods stores, public golf courses, fitness centers, dance studios and schools, and ongoing fitness subscriptions. 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. Points expire five years from the end of the quarter in which they are earned.
- 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 Reserve Rewards+ Card: You will earn 2 Points for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 4 Points (6 Points total) for every $1 in eligible net purchases spent on prepaid car rental, airline tickets 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. Points expire five years from the end of the quarter in which they are earned.
- 10 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.
- 11 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.
- 12 College Real Rewards Card: 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.
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 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 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. 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). Rewards expire five years from the end of the quarter in which they are earned.
- *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 transfers submitted at time of application will be held for 10 days before processing. 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.
- 1 Business Real Rewards Card: You will earn 1.5 Points for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 4 Points (5.5 Points total) for every $1 in eligible net purchases spent on prepaid car and hotel reservations in the Rewards Center using your Business Real Rewards Card. Prepaid car and hotel reservations in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive the additional points for that category. Please allow 1-2 statement billing cycles for your points reward to appear on your credit card statement. Refer to the Rewards Center for full details. Monthly net purchase points will be applied each billing cycle.
- 2 Business Real Rewards and Business Cash Preferred Cards: First purchase bonus will be applied 6 to 8 weeks after first purchase and is not awarded for balance transfers or cash advances. First use bonus is awarded only on the Authorized Officer purchases.
- 3 Maximum Point value applies to points redeemed as a cash deposit into an eligible checking or savings 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 a statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.
- 4 Business Real Rewards and Smart Business Rewards Cards: 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. Redemption values and minimums may vary over time and will be disclosed upon redemption.
- 5 Business Cash Preferred Card: You will earn three percent (3%) cash back for every $1 in eligible net purchases at dining, including takeout and restaurant delivery, gas stations, electric vehicle charging stations, office supply stores and cell phone service providers. All other eligible net purchases may earn one percent (1%) cash back. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a reward of 1%. In addition, you will earn an additional 4% cash back above base earn (5% total) for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the travel rewards center using your Business Cash Preferred Card. Prepaid car and hotel reservations in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive additional cash back for that category. Please allow 1-2 statement billing cycles for your cash back reward to appear on your credit card statement. Refer to the Rewards Center for full details. IMPORTANT CHANGE: Effective April 22, 2025, you will earn three percent (3%) cash back for every $1 in eligible net purchases at dining, including restaurants/restaurant delivery, gas stations and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), office supply stores, cell phone service providers. A purchase will not earn additional cash back if the merchant's selected code is in a category that is not eligible for additional cash back earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional 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 seven business days, or as a statement credit to your credit card account, which will be deposited within 1-2 statement billing cycles, a Rewards Card, Real-Time Rewards or Pay with Rewards when you checkout with PayPal.
- 6 Business 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.
- 7 Smart Business Rewards Card: You will earn 1 Point for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional Point (for a total of 2 Points) for every $1 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 or https:// card.myaccountaccess.com/smartbusinessMastercard to see the full list of eligible merchant categories. A purchase will not earn additional cash back if the merchant's selected code is in a category that is not eligible for additional cash back earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional cash back. In addition, you will earn 4 Points (5 Points total) for every $1 in eligible net purchases spent on prepaid car and hotel reservations in the Rewards Center using your Smart Business Rewards Card. Prepaid car and hotel reservations in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive the additional points for that category. Please allow 1-2 statement billing cycles for your points reward to appear on your credit card statement. Refer to the Rewards Center for full details.
- 8 If you’re approved for a new Smart Business Rewards Card, a one-time 20,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to the Authorized Officer’s Card within 90 days from account opening. These bonus points will be awarded on your monthly billing statement. Use of the Smart Business Rewards Card is subject to terms and conditions of the Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Offer is subject to credit approval.
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.