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FEATURED OFFER

Earn more on frequent spend

Up to 4X points on everyday spending on dining, take-out and food delivery1

Apply Now
Horizon Bank

Everyday Rewards+ Card

Up to 4X points on everyday spending on dining, take-out and food delivery1

Apply Now

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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
Horizon 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

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EVERYDAY REWARDS+ CARD1, 3

Unlimited points potential. Unrivaled reward options.

EVERYDAY REWARDS+ CARD1, 3

Unlimited points potential. Unrivaled reward options.

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

  • 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


    $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening


    Redeem points for Travel, Cash Back and More

  • Annual Fee: None See terms & conditions.

MAX CASH PREFERRED CARD2, 3

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

MAX CASH PREFERRED CARD2, 3

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

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

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

  • 2% unlimited cash back2 on one everyday category of your choice


    1% unlimited cash back on all other eligible purchases


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

  • Annual Fee: None See terms & conditions.

Platinum Card

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

Platinum Card

Platinum Card

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

  • Intro APR* for Purchases and Balance Transfers: Platinum: 0% introductory APR for the first 20 billing cycles. After that, 13.99% to 23.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • 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 See terms & conditions.

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

COLLEGE REAL REWARDS CARD3, 6

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

  • Get 2,500 bonus points
    After your first purchase6


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

  • Annual Fee: None See terms & conditions.

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

MAX CASH SECURED CARD3, 5

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

  • APR* for Purchases and Balance Transfers: 25.99% This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • 2% unlimited cash back5
    on one everyday category of your choice


    1% unlimited cash back
    on all other eligible purchases

  • Annual Fee: None See terms & conditions.

SECURED CARD

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

SECURED CARD

SECURED CARD

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

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

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


    Earn interest on your companion secured savings account

  • Annual Fee: None See terms & conditions.

BUSINESS 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, 13.99% to 22.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.

  • Earn 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 See terms & conditions.

BUSINESS CARD

Save on interest with an extended low introductory rate.

Horizon Bank

BUSINESS CARD

Save on interest with an extended low introductory rate.

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

  • Save on interest with a great low rate


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


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

  • Annual Fee: None See terms & conditions.

SMART BUSINESS REWARDS CARD1

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

SMART BUSINESS REWARDS CARD1

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

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

  • 2X points per $1 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 the first year and every year after it will be $95 for Account Owners and $0 for Authorized Employees. See terms & conditions.

BUSINESS REAL REWARDS CARD6, 3

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

BUSINESS REAL REWARDS CARD6, 3

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

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

  • 2,500 bonus rewards points awarded after first purchase5


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

  • Annual Fee: None See terms & conditions.

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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 fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. For the Max Cash Preferred card, 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. 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. 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. 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 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.

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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 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.

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