Independent Bank

Max Cash Secured Card

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

Apply now for Independent Bank Max Cash Secured Credit Card

Earn more on the categories you pick

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

Apply now for Independent Bank Max Cash Secured Credit Card

5% cash back

on the first $2,000 combined eligible purchases each quarter on two chosen categories2

Unlimited 2% cash back

on eligible net purchases on one everyday category chosen.

Unlimited 1% cash back

on all other eligible net purchases

Build solid credit habits with these added features.

5% Cash back

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 cards3

Account Alerts

Notifications will help you keep an eye on your accounts.

2% Unlimited cash back

from one category:

  • Gas Stations & Ground Transportation
  • Restaurants & Food Delivery
  • Grocery Stores & Grocery Delivery

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 net purchases

APR for Purchases and Balance Transfers:

29.99% This APR will vary with the market and is based on the Prime Rate. Independent Bank Max Cash Secured Card Terms & Conditions

Annual Fee*

None Independent Bank Max Cash Secured Card Terms & Conditions

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 eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).


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.

  • 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. 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. 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. 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 one to two billing cycles or as a Rewards Card ($25 minimum redemption).
  • 4. Your credit limit will be equal to the amount of your security deposit.
  • 5. 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