Generations Bank

Max Cash Secured Card

Use this card as a solid foundation to build your credit.1

Apply now for Generations Bank Max Cash Secured Credit Card
BUILD YOUR CREDIT AND EARN REWARDS

Earn more on the categories you pick

Use this card as a solid foundation to build your credit.1

Apply now for Generations Bank Max Cash Secured Credit Card

5% cash back

in two categories of your choice – first $2,000 in combined purchases each quarter2

2% unlimited cash back

on one everyday category of your choice2

1% unlimited cash back

on all other eligible net purchases

Build solid credit habits with these added features.

5% cash back2

from two categories like these:

  • Cell phone providers

  • TV, internet & streaming

  • Home utilities

Redeem for deposits

into eligible checking or savings accounts, statement credits or rewards cards2

Account Alerts

Notifications will help you keep an eye on your accounts.

2% unlimited cash back

on your choice of one everyday category like gas stations and EV charging stations or grocery stores**

 

**excludes discount stores/supercenters and wholesale club

A credit line you set3

When you start this account, you also open a savings account that is pledged as a security for your credit card account. A minimum refundable security deposit of $300 ($5,000 maximum) is required to open this account

Zero Fraud Liability4

You are protected against fraudulent purchases when your card is lost or stolen

1% unlimited cash back

on all other eligible purchases

APR for Purchases and Balance Transfers:

29.49% This APR will vary with the market and is based on the Prime Rate. Generations Bank Max Cash Secured Card Terms & Conditions

Annual Fee*

None Generations Bank Max Cash Secured Card 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 Reward Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. 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).

 
  • 1. Late Payments or going over the credit limit may damage your credit history.
  • 2. 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. IMPORTANT CHANGE: Effective April 22, 2025, all purchases in the following everyday categories: Grocery Store/Supermarket and Gas Station/EV Charging Stations at Wholesale clubs, discount stores/supercenters such as Target and Walmart will only earn 1%. All other net purchases earn 1% cash back. Spend over the $2,000 quarterly cap/limits for the 5% categories will earn 1% cash back. 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. 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, which will be deposited within seven business days, or as a statement credit to your credit card account within one to two 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.
  • 3. Your credit limit will be equal to the amount of your security deposit.
  • 4. Elan Financial Services provides Zero Fraud Liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
 

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporate.



 

Cardmember Agreements

Privacy and Security