Consumer Credit Cards

Consumer Credit Cards: Choosing the right credit card is super simple.

You know the type of card you're looking for. Review the following Goal-Focus or Rewards Type and make the choice that fits you best. For more details on what you'll earn and at what point level, click on the Benefits tab above.:

 

Looking to Pay Down Balances

Visa® Platinum Card

-Pay down your other credit card balances faster with a great low introductory rate with a longer introductory period. 

-Non-Rewards (except getting those cards paid down!)

 

Flexible Cash Rewards1

Cash Rewards American Express® Card

-With American Express, you'll get cash back on eligible net purchases at gas stations, supermarkets, and other eligible purchases.2

-Plus - $25 cash back awarded after your first purchase, just to get you started!

 

Rewards Points to Use The Way You Want

Visa® Real Rewards Card

-Earn points for every $1 you spend on eligible net purchases 

-No cap or limit on the number of points you can earn, and you have 5 years to redeem for rewards

-2,500 bonus rewards points awarded after first purchase3

 

Premier Rewards American Express® Card (Could be the card for you if you use your card for restaurants and gas station purchases)

-Earn points for every $1 spent on eligible net purchases at restaurants, gas stations, and other eligible 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 5 years to redeem for rewards4

-Reimbursement for either Global Entry or TSA Pre-Check®7

 

Building Your Credit

Visa® College Real Rewards Card

-Earn points for every $1 you spend on eligible net purchases

-No cap or limit on the points you can earn, plus you have 5 years to redeem points for rewards4

-2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, gift cards, or travel savings

 

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.

 

With so many options, why not apply now

 

1 Reward points can be redeemed as a cash deposit to a checking or savings account with MIT Federal Credit Union 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.

Our credit cards offer many benefits, no matter which credit card you choose! Below is an outline of the benefits offered by each of our cards. 

Paying Down Balances

Visa® Platinum Card

-Save on interest

 

Flexible Cash Rewards

Cash Rewards American Express® Card

-3% cash1 back on the first $6,000 in eligible 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

-$25 cash back awarded after first purchase

 

Rewards to Use The Way You Want

Visa® Real Rewards Card

-Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5

 

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 gas purchases

-Earn 1 point for every $1 spent on eligible net purchases

 

Building Your Credit

Visa® College Real Rewards Card

-Earn 1.5 points monthly for every dollar you spend on eligible net purchases5

 

Visa® Secured Card

-Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account

Have you decided? Why not apply right now? 

Stay Connected

  • Consumer card support: 1.800.558.3424
  • Signature card support: 1.866.234.4691
  • Business card support: 1.866.552.8855

 

Rewards Center
1.888.229.8864 

Online account access: myaccountaccess.com

 

1 Reward points can be redeemed as a cash deposit to a checking or savings account with MIT Federal Credit Union 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.