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Lobbies Open by
Appointment Only

Per the City of OKC's request to slow the spread of COVID-19, our branch lobbies are open by appointment only. 

Rewards and Cash Back

Not sure if a rewards card or a cash back card is the best choice for you? Compare the highlighted features of each rewards and cash back card below.

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VISA Real Rewards
Earn points to redeem for rewards.

Earn 1.5 points for every $1
you spend on eligible purchases
(equal to 1.5% cash back).4

No cap or limit
on the points you can earn, plus you have five years to redeem points for rewards.3

2,500 bonus rewards points
awarded after first purchase.5

VISA College Real Rewards
A rewards card specifically for students.

Earn 1.5 points for every dollar
you spend on eligible purchases.4

No cap or limit
on the points you can earn, plus you have five years to redeem points for rewards.3

2,500 bonus rewards points
awarded after first purchase5, redeemable for $25 cash back, merchandise, gift cards or travel savings.

VISA Max Cash Preferred Card
Earn cash back in several categories.

5% cash back
on first $2,000 of combined quarterly purchases in two categories like: TV, Internet & Streaming, Services, Home Utilities, Cell Phone Providers and more!1

2% unlimited cash back
on choice of one everyday category like Gas Stations & Ground Transportation, Restaurants & Food Delivery and Grocery Stores & Grocery Delivery.

1% unlimited cash back
on all other eligible purchases.

Redeem Cash Back
for a Statement Credit, Rewards Card, or a Deposit to a Qualifying Account.
1

$150 cash back
after you spend $500 in the first 90 days.
2

Low Rate, Build or Repair Credit

If you’re looking for an easy to understand low rate credit card, just starting to build credit, or if you need to repair credit we have credit card options for you! 

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VISA Secured Card
A savings secured card to help you build or rebuild credit.

Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit
card. If you need to improve or re-establish your credit history6, here's a great way to begin that process.

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

Earn interest
on the money in your secured savings account.

VISA College Real Rewards
A rewards card that helps students build credit.

Earn 1.5 points for every dollar
you spend on eligible purchases.

No cap or limit
on the points you can earn, plus you have five years to redeem points for rewards.3

2,500 bonus rewards points
awarded after first purchase5, redeemable for $25 cash back, merchandise, gift cards or travel savings.

VISA Platinum Card
A great low rate credit card.

EMV smart chip
technology for added security.

Mobile purchasing
capability for added convenience.

Pay down your other credit card balances
faster with a great low introductory rate for an extended time.

Save on interest.

Non-Rewards

THE FINE PRINT

VISA Credit Card Legalese

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).

1 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. 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). 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.

2 If you’re approved for a new Max Cash Preferred Card, 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.

3 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases.

4 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.

5 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

6 Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A.

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