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Credit Cards & Payments content


Credit Cards & Digital Payments

Choose how you want to be rewarded. We have a credit card to meet your needs. (And, some options for making everyday payments and purchases digitally that will make your life easier!)

Enjoy the flexibility of managing your cards on mobile devices and unlock access to Real-Time Rewards, which enables you to easily monitor your points and determine whether to apply them to the purchase you make with your mobile device.

From our Real Rewards credit card, American Express® Cash Rewards credit card and American Express® Premier Rewards credit card to our Visa Platinum credit card and our Secured Visa credit card, you'll find a card that's right for your lifestyle. And as an added perk, if you're a fan of the Milwaukee Brewers or Minnesota Wild, you can customize any of our cards (with the exception of our Secured Visa) and make it a BrewersTM or Minnesota Wild® Credit Card!

Visa Real Rewards Credit Card
Earn 1.5 points monthly for every $1 you spend on eligible net purchases1 (equal to 1.5% cash back)
Unlike many cards on the market, earn your rewards for every eligible net purchase you make, not just on select items. And get those rewards automatically—no registering necessary.
As an added perk, you'll get $25 cash back2 after your first eligible net purchase with your Visa Real Rewards Credit Card.
American Express® Cash Rewards Card
3% cash back3 on the first $6,000 in eligible net purchases made each year at gas stations
With this great rewards card, earn rewards on every eligible net purchase you make. And get those rewards automatically, without having to register for them.
As an added perk, you'll get $25 cash back4 after your first eligible net purchase with your American Express® Cash Rewards Credit Card.
American Express® Premier Rewards Card
Earn up to 4X for every $1 spent on eligible purchases5
No caps or limits on the number of points you can earn
Reimbursement for either Global Entry or TSA Pre✔®
And with our Visa Platinum and Secured cards
Enjoy auto rental discounts
Benefit from auto rental collision waiver
Get great merchant discounts

Plus, enjoy the ease of digital payments. Load your Associated Bank Mastercard® debit card or Visa® credit card information into your Apple PayTM or Samsung Pay account, and voila! Your mobile wallet is ready.

Call 800-236-8866

Customer Care Center, available 24/7/365

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Credit card calculators

Use Associated Bank's personal credit card and debt calculators to help accelerate your debt payoff, start a debt management plan or determine if you should consolidate your credit cards with a consolidation loan.



1. The Elan Rewards Program is subject to change. 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). Points earned on eligible Net Purchases. Net purchases are purchases minus credits and returns. Monthly net purchase bonus points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

2. Offer subject to credit approval. $25 cashback applies to Real Rewards Credit Card and will be awarded in the form of 2,500 bonus rewards points after first purchase. First purchase bonus points will be applied six to eight weeks after first purchase and are not awarded for balance transfers or cash advances. Reward points can be redeemed as a cash deposit to a checking or savings account within seven business days or as a statement credit to your credit card account within one to two billing cycles. Points expire five years from the end of the quarter in which they are earned. The creditor and issuer of these Cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

3. 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.

4. 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.

5. 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.

6. Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

Apple, the Apple logo, and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

© 2017 Samsung, Samsung Pay, Samsung Galaxy and Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law.

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.

Visa and the Visa logo are registered trademarks of Visa International Service Association. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

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