American Commercial Bank & Trust

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 American Commercial Bank & Trust 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 American Commercial Bank & Trust 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.

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

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.

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.

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

American Commercial Bank & Trust 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

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

American Commercial Bank & Trust 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

American Commercial Bank & Trust 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.

NEW
BUSINESS CARD

Save on interest with an extended low introductory rate.

American Commercial Bank & Trust Business Card Card

BUSINESS CARD

Save on interest with an extended low introductory rate.

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.

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 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).
  • 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 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. Smart 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.
  • 2. A 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.
  • 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 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).
  • 4. Business 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).
  • 5. Reward 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.
  • 6. Real 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.
  • 7. 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.
 

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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