Having a credit card is an essential way to make big purchases and earn reward points that can be put toward future buys. Here at Provident State Bank, we offer a variety of plans that match your credit card usage and lifestyle. All our credit card offers come with convenient features, such as mobile purchasing capability, EMT smart chip security technology, secure online account management, and more. We want you to take your credit card usage and turn it into new rewards, so take a look at our available offers and contact one of our professionals who will help you learn more about these credit card options today!



Pay Down Balances

• Receive a great low introductory rate for an extended time to pay down your other credit balances quicker.

• Enjoy interest savings.

Flexible Cash Rewards

• Your credit card usage at gas stations each year earns 3% cash back (1) on the first $6,000 in eligible net purchases (2.4).

• Receive 2% cash back on eligible supermarket net purchases.


Rewards To Use The Way You Want

• You can earn 1.5 points monthly for every $1 they spend on eligible net purchases (equal to 1.5% cash back) (5).

• You are awarded 2,500 bonus rewards points after your first purchase (3).



• Earn 4 points for every $1 spent on eligible net restaurant purchases (6).

• Earn 3 points for every $1 spent on eligible net airline purchases.

• Earn 2 points for every $1 spent on eligible net gas purchases.

• Earn 1 point for every $1 spent on all other eligible net purchases.

• If your credit card usage in the first 3 months is $1,000 or more, you will receive 10,000 one-time bonus rewards (3).



 

Build Your Credit 

• This fantastic credit card offer for students earns them 1.5 points monthly for every dollar they spend on eligible net purchases (5).

• Make your first purchase and receive 2,500 bonus rewards points3, redeemable for $25 cash back, merchandise, gift cards, or travel savings.

 

 


• This choice provides a fantastic chance for someone beginning to earn credit or for a person who has been declined for a credit card and needs to improve or re-establish their credit history (8).

• Earn interest on your secured savings account by having the option to carry a balance.

Start Getting Rewarded Today!

Several of these credit cards offer no cap or limit to the points you can earn, plus you have five years to redeem points for rewards (4). Be sure to ask one of our professionals about more details. Contact us or you can apply online for credit cards through Provident State Bank today!

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.

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