Credit Cards 

Personal. Versatile.

Get a card that fits your spending habits and rewards the way you live. Whether you're managing everyday expenses or planning something bigger, it’s purchasing power on your terms.

Visa® Zero+ Card

ZERO is the BEST rate.

Lock in a low introductory rate on purchases and balance transfers for 2 years! PLUS earn cash back and more.

Earn cash back on eligible purchases
Enjoy added value with statement credits and card benefits
Choose how you redeem rewards with multiple redemption options
No annual fee

Apply Today

Visa® Everyday Rewards+

Rewards for how you spend

Earn more as you use your card for everyday purchases. This rewards card is built for day-to-day spending with bonus points in key categories and meaningful long-term benefits.

15,000 bonus points when you spend $500 in the first 90 days*
Enhanced points on everyday categories like dining, groceries, and gas*
No annual fee

Apply Today

Visa® Max Cash Preferred

Cash back that works for you

Earn meaningful cash back on the way you spend while keeping things flexible. Customize your rewards and enjoy value on purchases you use every day.

$150 bonus after spending $500 in the first 90 days*
5% cash back in two categories you choose*
No annual fee

Apply Today

Visa® Travel Rewards+

Rewards that go wherever life takes you

Earn rewards on everyday purchases and travel-related spending with a card built to fit your life. With bonus points after eligible purchases and no annual fee for the first year, this card gives you flexibility and value whether you’re at home or on the go.

Bonus points after qualifying purchases help you jump-start your rewards balance
Earn rewards on purchases you make every day and when you travel
No annual fee the first year

Apply Now

Visa® Reserve Rewards+

Premium rewards & benefits

For those who value premium rewards and experiences, this card delivers rich earnings on travel and other purchases, along with a rewards rate geared toward frequent usage.

Generous bonus rewards to help you get started
Enhanced earning potential on everyday and travel-related purchases
Premium card benefits that add extra value over time
$390 annual fee*

Apply Today

Visa® Secured Card

Build your credit with confidence

If you’re looking to establish or rebuild your credit, the Visa® Secured Card offers a practical place to start. With built-in protections and helpful tools, it’s designed to support steady progress and everyday financial confidence.

Build or rebuild your credit with responsible use
Zero Fraud Liability for added peace of mind
Track your progress with free access to your credit score
Stay on schedule with convenient automatic bill pay

Apply Today

Whichever card you choose, you’ll enjoy great features like:

Convenient and flexible purchasing power at millions of locations worldwide
Mobile purchasing capability for added convenience
Zero fraud liability* if your card is lost or stolen
Cardmember service available 24/7/365

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disclosures

Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. Subject to credit approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc.
ZERO+ CARD: The introductory rate does not apply to cash advances. Balance Transfer Information: Balance transfer transactions from other Elan Financial Services accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling 1-800-558-3424. After 10 days from account opening, requests to stop payment on Balance Transfer Check(s) issued by Elan shall not be honored unless the check(s) has been stolen, lost or destroyed. Balance Transfer fee of 5% of each transfer amount, $5 minimum 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. Elan Card ExtendPay fees: A monthly fee not to exceed 1.6% of the original principal amount in an Elan Card ExtendPay plan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay plans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR. You will earn 4% Cash Rewards on eligible Net Purchases for prepaid airfare, car rental, attraction and hotel reservations booked directly in the Rewards Center using your Zero+ credit card. Net Purchases are purchases minus credits and returns. The account must be open and in good standing (not past due or overlimit) to earn and redeem Cash Rewards and benefits. Cash Rewards expire 5 years from when they are earned, refer to your Program Rules for full details.
Everyday Rewards+: You will earn 1 Point for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn Points for the following: You will earn 3 Points for every $1 in eligible net purchases during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 1 Point for every $1 in eligible net purchases during each billing cycle at merchants classified as a gas station, electric vehicle charging 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. Points expire five years from the end of the quarter in which they are earned.
Max Cash Preferred: If you’re approved for a new Max Cash Preferred Card, a 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 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.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.
Travel Rewards+: If you’re approved for a new Travel Rewards+ Card, a one-time 25,000 bonus points will be awarded after eligible net purchases totaling $2,000 or more are made to your account within 120 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. You will earn 1.5 Points for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 2.5 Points (4 Points total) for every $1 in eligible net purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station, electric vehicle charging station, entertainment, and recreation category codes. Additional Points for Entertainment and Recreation purchases are dependent on how merchants choose to classify their business. Merchants classified as Entertainment include: most cinemas, theme parks, concert venues, professional sports venues, and qualifying ticket sellers such as Ticketmaster® and StubHub®. Entertainment purchases that may not be eligible include tickets purchased from colleges and universities, associations, schools, and charitable organizations. Merchants classified as Recreation include: sports and recreation facilities that charge membership fees, sporting goods stores, public golf courses, fitness centers, ongoing fitness subscriptions, recreational vehicle parks and campsites, dance studios and schools, and bowling centers. Purchases from third parties and consultants at these locations may not qualify. A purchase will not earn additional Points if the merchant’s selected code is in a category that is not eligible for additional Points earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Points expire five years from the end of the quarter in which they are earned.
Reserve Rewards+: If you’re approved for a new Reserve Rewards+ Card, a one-time 50,000 bonus points will be awarded after eligible net purchases totaling $4,500 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. 10 You will earn 2 Points for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 4 Points (6 Points total) for every $1 in eligible net purchases spent on prepaid car rental, airline tickets and hotel reservations booked directly in the Rewards Center using your rewards credit card instead of Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Points expire five years from the end of the quarter in which they are earned.
Secured Card: Free credit score access is available through online account access only. The free VantageScore® Credit Score is for educational purposes only and is not used by Elan Financial Services to make credit decisions. Late payments or going over the credit limit may damage your credit history. Your credit limit will be equal to the amount of your security deposit. 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.

Credit Cards

Personal. Versatile.

Visa® Zero+ Card

ZERO is the BEST rate.

Visa® Everyday Rewards+

Rewards for how you spend

Visa® Max Cash Preferred

Cash back that works for you

Visa® Travel Rewards+

Rewards that go wherever life takes you

Visa® Reserve Rewards+

Premium rewards & benefits

Visa® Secured Card

Build your credit with confidence

Whichever card you choose, you’ll enjoy great features like:

No worries, be happy.

Skip the snail mail.

One App is all you need.

Knowledge is Your Best Protection

Write Checks Safely

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disclosures

You are leaving Bay State Bank's website to visit a third party website.

Credit Cards 

No worries,
be happy.

Skip the
snail mail.

One App is
all you need.