Consumer Credit Card

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Our Visa® and American Express® credit cards offer great rates and rewards – apply online today.

Choosing the right credit card is easier than ever

No matter which card you choose, you’ll enjoy important features like:

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Plus much more!

Check out this interactive tool to help determine which rewards card is the best for you!

Let’s get started…


Visa Signature® Real Rewards Card

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).
  • Reward bonus – $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.

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Premier Rewards American Express® Card

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Cash Rewards American Express® Card

  • Earn up to 3% cash back at gas stations.
  • Also earn up to 2% cash back at supermarkets and 1% on all other eligible net purchases.
  • Reward bonus – $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.

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Visa® Platinum Card

  • Enjoy a special 0% introductory APR for the first 20 billing cycles.3
  • Extended introductory offer.
  • Save on interest and pay down your other credit card balances faster.

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Visa Signature® College Real Rewards Card

  • Excellent opportunity for someone starting a credit history.
  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).
  • Reward bonus – $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.

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Secured Visa® Card

  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.
  • $35 Annual Fee
  • Remember, late payments and going over the credit limit may damage your credit history.

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1 – Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

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

3 – The 0% introductory APR applies to Purchases and is valid for the first 20 billing cycles. The 0% introductory APR applies to Balance Transfers made within 620 days of account opening and is valid for the first 20 billing cycles. The introductory rate does not apply to Cash Advances. Thereafter, the APR may vary and as of 08/03/2020, the undiscounted variable APR for Purchases and Balance Transfers is 11.99%-20.99% (based on your creditworthiness).

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.

Existing customers who have a Visa® credit card can access your account information here.

Cardmember Service

  • For questions about your account or to report a Lost or Stolen Card
  • 24-Hour Cardmember Service: 800-558-3424
  • To reach Cardmember Service via email, login to your account and click on Messages.

Technical Support

  • For questions about your internet browser configuration or technical support for the Online Account Access website please call: 877-334-0460

Send a Payment

Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408

Send an Overnight Payment

Cardmember Service
824 N 11th Street
St. Louis, MO 63101-1016