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Cash back maximized to fit your life

Earn a $150 Bonus2

Earn more on the categories you pick with the Max Cash Preferred Card.

Apply Now Calculate Rewards
First Montana Bank

Max Cash Preferred Card

Earn more on the categories you pick with the Max Cash Preferred Card.

Calculate Rewards
Apply Now

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5% cash back

on the first $2,000 combined eligible purchases each quarter on two chosen categories1

Unlimited 2% cash back

on eligible net purchases on one everyday category chosen

Unlimited 1% cash back

on all other eligible net purchases

So many rewards

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 cards2

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. Terms & Conditions

2% Unlimited cash back

from one category:

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

Plus,

No required quarterly enrollment

No rewards expiration for active members

(Rewards expire after 12 months of inactivity)

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. Terms & Conditions

1% Unlimited cash back

on all other eligible net purchases

$150 bonus (15,000 points)

after $500 in eligible net purchases are made within the first 90 days of account opening2

Annual Fee*

None Terms & Conditions

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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.


  • *The 0% introductory APR applies to balance transfers and is valid for the first 12 billing cycles. The introductory rate does not apply to purchases and cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum payment 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. We may change APRs, fees, and other Account terms in the figure based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
  • 1. 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. Rewards can be redeemed as 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 as a REwards Card ($25 minimum redemption). A one-time $150 bonus will be awarded for redemption after eligible net purchases totalling $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 credits to your rewards balance.

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.

 

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