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 Visa® Everyday Rewards+ credit card, and Visa® Max Cash Preferred 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 cards) and make it a Brewers™ Credit Card!

5% cash back on two categories you choose—first $2,000 spent each quarter.¹ ²

2% unlimited cash back on one everyday category of your choice.¹ ²

1% unlimited cash back on all other eligible purchases.¹ ²

$150 bonus awarded after you spend $500 within first 90 days of account opening!¹ ³

Earn Up To 4x Points On Everyday Spending.¹ ⁴

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.

Earn 20,000 bonus points (a $200 value) when you spend $1,000 within the first 120 days.¹ ⁵

And with our Visa Platinum and Secured cards

Enjoy peace of mind with zero fraud liability.⁶

Free credit score.⁷

24/7 live US-based customer service.

Plus, enjoy the ease of contactless payments. Buy with a tap anywhere you see the contactless symbol or load your Associated Bank Visa® credit card or debit Mastercard® information into your digital wallet to make secure, safe and faster payments using your mobile device!

Call 800-236-8866

Customer Care Center

Helpful research

Managing personal debt

Are you carrying too much debt? Find out if you are, and learn ways to reduce your debt.

Find out more >

How can I reduce my credit card debt?

The only way around the problem of credit card debt is through it. Pay as much as you can afford (certainly more than the minimum payment recommended on your bill) on a regular schedule.

Find out more >

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.

How important is the interest rate?

How will rate changes affect my balance?

What will it take to pay off my credit card?

Should I consolidate my debts?

Which is better: flight card or low rate card?

Which is better: rebate card or low rate card?

Should I consolidate my credit cards?

  1. 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 Rewards, and you will immediately lose all of your Rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire five years from the end of the quarter in which they are earned.

  2. Max Cash Preferred Card: 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.

  3. Reward points can be redeemed as a cash 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). If you’re approved for a new Real Rewards Card, first purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. If you’re approved for a new Max Cash Preferred Card, 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 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

  4. You will earn 1 Point for every dollar in eligible net purchases charged to your account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 3 additional Points for every dollar in eligible net purchases during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 1 additional Point for every dollar in eligible net purchases during each billing cycle at merchants classified as a gas or EV charging station, grocery store, supermarket or qualifying streaming subscription service. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Points expire five years from the end of the quarter in which they are earned. 

  5. If you’re approved for a new Everyday Rewards+ Card, 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. 

  6. 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.

  7. Free credit score access, Alerts and Score Simulator through TransUnion’s CreditView™ Dashboard are available to Elan Online Access customers only. Alerts require a TransUnion database match. It is possible that some enrolled members may not qualify for the Alert functionality. Free credit score access is not available in the Mobile App. The free VantageScore® credit score from TransUnion® is for educational purposes only and not used by Elan Financial Services to make credit decisions. 

  • Certain limitations and restrictions may apply.

  • Subject to credit approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

  • Visa and the Visa logo are registered trademarks of Visa International Service Association.

  • Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.