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Freedom. Flexibility. Convenience.

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Personal Credit Cards

What do you want most from your credit card? Now you have a choice. Whatever your needs, we have a credit card that's right for you!

 

A Longer Intro Rate

Visa® Platinum Card
Save on interest with an extended introductory rate and pay down other credit card balances faster. More

Earn Rewards

Cash Rewards American Express® Card
Earn cash back1 every time you use your card: 3% on gas, 2% at supermarkets, and 1% on all other eligible net purchases, plus earn cash back1 after your first purchase. More

VISA® Real Rewards Card
Watch your rewards add up fast with 1.5 points for every $1 you spend on eligible net purchases. Plus earn cash back1 after your first purchase or redeem for travel rewards, merchandise, and gift cards. More

Premier Rewards American Express® Card
Watch your rewards add up even faster with 4 points per $1 spent on eligible restaurant purchases, 3 points per $1 spent on eligible airline purchases, 2 points per $1 spent on eligible purchases at gas stations, and 1 point per $1 spent on all other eligible net purchases. Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months. More

VISA® College Real Rewards Card
Watch your rewards add up fast with 1.5 points for every $1 you spend on eligible net purchases, plus account alerts, online and mobile account access, autopay, zero fraud liability, and free credit score2.  Plus earn cash back1 after your first purchase or redeem for travel rewards, merchandise, and gift cards. More


Build Credit*

Visa® Secured Card
Start building (or rebuilding) your credit history, even if you've been turned down for other credit cards, with flexible credit lines based on a security deposit. Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account. More

 

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Apply online or contact your Hometown Banker for more information.

By selecting to apply you are leaving the TowneBank website and going to the Elan Financial Services site.

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1 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.

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.

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.

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).

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.

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.

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

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.