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.

Credit when it Counts

Which card is right
for you?

Earns you cash back
Credit card with low interest
Credit card to help build your credit

Visa® Zero+ Card

Great introductory rate for an extended time
Great for large expenses, unexpected expenses, or last-minute necessities
No Annual Fee

Apply Now

Visa® Everyday Rewards+

Earn 15,000 bonus points when you spend $500 within the first 90 days²
Earn 4X on dining, 2X on groceries and gas, and 1X on all other eligible purchases³
No Annual Fee

Apply Now

Visa® Max Cash Preferred

Earn $150 bonus when you spend $500 within the first 90 days⁴
Earn 5% cash back in two categories of your choice⁵
No Annual Fee

Apply Now

Visa® Travel Rewards+

Earn 25,000 bonus points when you spend $2,000 within the first 120 days⁶
Earn 4X points on travel purchases, gas, entertainment, and recreation purchases, and 1.5X points on all other purchases⁷
$0 intro annual fee for the first year, then $99

Apply Now

Visa® Reserve Rewards+

Earn 50,000 bonus points when you spend $4,500 within the first 90 days⁸
Earn 6X points on travel booked through the Reward Center and 2X points on all other purchases⁹
$390 Annual Fee

Apply Now

Visa® Secured Card

Free Credit Score¹⁰ access
Automatic Bill Pay
Zero Fraud Liability¹¹

Apply Now

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 Liability1 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.
Everyday Rewards+:
If you’re approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points will be awarded 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.
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.
Max Cash Preferred:
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.
Travel Rewards+:
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.
Reserve Rewards+:
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.

FDIC

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Credit Cards

Personal. Versatile.

Credit when it Counts

Which card is right
for you?

Visa® Zero+ Card

Visa® Everyday Rewards+

Visa® Max Cash Preferred

Visa® Travel Rewards+

Visa® Reserve Rewards+

Visa® Secured Card

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

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

No worries,
be happy.

Skip the
snail mail.

One App is
all you need.

How to avoid scammers.

We protect you from
check fraud.

We’re a phone call away

disclosures

Credit Cards

Personal. Versatile.

Credit when it Counts

Which card is rightfor you?

Visa® Zero+ Card

Visa® Everyday Rewards+

Visa® Max Cash Preferred

Visa® Travel Rewards+

Visa® Reserve Rewards+

Visa® Secured Card

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

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

No worries, be happy.

Skip the snail mail.

One App is all you need.

How to avoid scammers.

We protect you from check fraud.

We’re a phone call away

disclosures

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

Credit Cards 

Which card is right
for you?

No worries,
be happy.

Skip the
snail mail.

One App is
all you need.

We protect you from
check fraud.