Credit Cards

Personal Credit Cards

Choosing the right personal 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! 

Pay Down Balances.

First Nat Signiture Card

Visa® Platinum Card

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards

Flexible Cash Rewards.

First Nat AMEX Card

Cash Rewards American Express® Card

  • 3% cash back1 on the first $6,000 in eligible net purchases made each year at gas stations2,4
  • 2% cash back on eligible supermarket net purchases
  • 1% cash back on all other eligible net purchases

Rewards To Use The Way You Want.4

Can't decide which rewards card is best for you? Use this interactive tool to help you decide!
 
First Nat Signiture Card

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)5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards
  • 2,500 bonus rewards points awarded after first purchases3

First Nat AMEX Card

Premier Rewards American Express® Card

  • Earn 4 points for every $1 spent on eligible net restaurant purchases6
  • Earn 3 points for every $1 spent on eligible net airline purchases
  • Earn 2 points for every $1 spent on all other eligible net gas purchases
  • Earn 1 point for every $1 spent on all other eligible net purchases 
  • Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months3.
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
  • Reimbursement for either Global Entry or TSA Pre✓® 7

Build Your Credit.

First Nat Signiture Card

Visa® College Real Rewards Card

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases 5
  • No cap or limit on the number of points you can earn, and you have five years to redeem points for rewards4
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.

First Nat Signiture Card

Visa® Secured Card

  • 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 history8, here's a great way to begin that process.
  • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account. 


1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
2 Cash Rewards Card: “Cash Back Rewards” are the rewards  you  earn  under  the  program. Cash  Back  Rewards  are  tracked  as  points  and  each  point  in Cash Back Rewards  earned  is  equal  to $0.01. You  may simply see “Cash Back” in marketing  material  when referring  to the rewards  you earn. You  will  earn 1 Reward Point (“Point”) for each dollar of eligible  Net  Purchases  charged  to your Account  during  each billing  cycle. You  will  also earn 1  additional  Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged  to your Account  during  each billing  cycle for any merchant classified  as  a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up  to a  maximum of $6,000 spent during  each 12-month period  commencing  on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during  each billing  cycle. Points  expire five  years  from  the end  of the quarter in which they are earned.
3 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. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.
4 The Elan Rewards 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).
5 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.
6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during  each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You  will earn 2 additional Points (for a total of 3 Points)  for  each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.
8 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 separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.