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Whether you're looking to earn rewards, establish credit, or rebuild your credit, a credit card from First State Bank can help you meet your needs. We offer three card options, so you can choose your way to pay. No matter which card you choose, you'll enjoy the worldwide convenience of shopping with Visa. Talk to your First State Bank representative today about starting the application process.

  • Competitive low rates
  • Establish or rebuild credit
  • Earn points to redeem for rewards
  • Make purchases in person or online
  • Easily replaced if lost or stolen

Card Types:

Secured Visa® Card

If you need to improve or re-establish your credit history, this may be the card for you!

Visa® Real Reward Cards

This rewards card lets you rack up points to redeem for cash back, merchandise, gift cards, or travel.

Visa® Platinum Card

With this card, you can enjoy the convenience of a non-rewards card while saving on interest.

Cash Rewards American Express® Card

This rewards card allows you to earn up to 3% cash back every month.

Premier Rewards American Express® Card

With this card you earn up to 4 points for every $1 spent, every month (equal to up to 4% cash back).  

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 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). 2. Real Rewards: You will earn l.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. 3. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, within seven business days, or as a statement credit to your credit card account within one to two billing cycles. 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 Premier Rewards American Express Card, one-time bonus points will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account. 4. Elon Financial Services provides Zero Fraud Liability for unauthorized transactions. Cardmember must notify Elon Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. 5. Certain terms, conditions and exclusions apply. Please refer to your guide to benefits that will be mailed with your new Card for further details and to determine if the Auto Rental Coverage is right for you. 6. Cash Rewards Card: "Cash Back Rewards" are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point earned is equal to $0.01 when redeemed. You may simply see "Cash Back" in marketing material when referring to the rewards you earn. You will earn l Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will earn additional Points as fallows for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified as supermarkets (l additional Point); and automated fuel dispensers and service stations (2 additional Points on up to $6,000 each Card member year). Automated fuel dispenser and service station purchases above $6,000 for the remainder of that year will earn at the standard rote of l Point. Points expire five years from the end of the quarter in which they are earned. 7. Premier Rewards Card Points: You will earn l Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will earn additional Points as fallows for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified as service stations and automated fuel dispensers (l additional point); airlines (2 additional Points); and restaurants (3 additional Points). Points expire five years from the end of the quarter in which they are earned. 8 Certain limitations and restrictions may apply. For further details, refer to your Guide to Benefits, which will be provided to you with your Card. 9. During the specified sales period, tickets are available exclusively to all American Express Cardmembers. Tickets must be purchased with an American Express Card. Offer is subject to availability. Not all seats are available and blackout dates apply. Offer valid in select cities. The creditor and issuer of these cards is Elon 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.

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