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Personal Credit Cards

Personal Credit Cards

We offer both Visa and American Express credit cards. These credit cards offer great reward programs and great rates. Find the credit card that best fits your needs today.

*Some restrictions may apply. All credit cards subject to approval. For complete terms and conditions on NuMark Credit Union credit cards click here.

Visa® Real Rewards Card

• Earn 1.5 points monthly for every $1 you spend on eligible net purchases.(equal to 1.5% cash back)5
No cap or limit on the number of points you can earn, and you have five years to redeem for rewards.
2,500 bonus rewards points awarded after first purchase.3
Learn More

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.
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 $2,000 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.
7.) Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new card members 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.

Cash Rewards American Express® Card

• 3% cash back1, on the first $6,000 in eligible net purchases made each year at gas stations2,4
• 2% cash back on eligible supermarket net purchases.
• 1% cash back on all other eligible net purchases.
• $25 cash back on all awarded after first purchase.3

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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 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 as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will 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 merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply
store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. 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 $2,000 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).
7.) Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new card members 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.

Premier Rewards American Express® Card

• Earn 4 points for every $1 spent on eligible net restaurant purchases6
• 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 eligible net purchases.
• Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months.3
• No cap or limit on the number of points you can earn, and you have five years to redeem for rewards.4
• Reimbursement for either Global Entry or TSA Pre7

Learn More

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.
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 $2,000 or more are made to your account within three months from account opening.
6.) Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of
eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone
services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in
the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
7.) Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new card members 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.

Visa® Platinum Card

• Pay down your other credit card balances faster with a great low introductory rate for an extended time.
• Save on interest
• Non-Rewards

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7.) Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new card members 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.

Secured Visa® Card

• Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for credit card. If you need to improve or re-establish your credit history8, here’s a great way to begin that process.
• Enjoy the convenience of credit including the option to carry a balance whole earning interest on your secured savings account.

Learn More

7.) Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new card members 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.

Visa Signature® College Real Rewards Card

1.5x Unlimited Rewards
Earn 1.5 points monthly for every dollar you spend on eligible net purchases.5
• No cap or limit on the number of points you can earn, plus you have five years to redeem for rewards.4
• 2,500 bonus rewards points awarded after first purchase3 redeemable for $25 cash back, merchandise, gift cards or travel savings.

Call 815-729-3211 to Learn More!

*Must apply in-person. 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.
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 $2,000 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.
7.) Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new card members 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.