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Build Credit
Credit cards to help your credit history
For those who to improve, establish, or re-establish credit history, these two York Traditions Bank credit card choices are great ways to start the process.
Secured Visa® Card
Build Your Credit with the Secured Card
The Secured Visa Card provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card and needs to improve or re-establish credit history.1
With the Secured Card, you’ll enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.
- Simply open a secured savings account that is pledged as security for your credit card account.
- Merchants and retailers won’t know your card is secured when you use it to make purchases.
- Remember, late payments and going over the credit limit may damage your credit history.
Cardmember Benefits
Consumer Credit cards also come with a variety of important features, including extended warranty coverage, auto rental collision damage waiver coverage and zero fraud liability.2 See Consumer Card Features and Benefits for a complete listing of all card benefits.
Special Offers
Receive up to a $5,000 credit limit.
Purchase APR
Variable APR currently 20.99%. *See Terms and Conditions for complete details.
Annual Fee
$35 Annual Fee
Minimum Requirements
Applicant must be 18 years of age, have a U.S. address and a Social Security number. A minimum security deposit of $300 is required ($5,000 maximum).
We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1 Late payments and going over the credit limit may damage your credit history.
2 Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated, and American Express. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.
Visa® Signature College Real Rewards Card
Get 1.5x Unlimited Rewards with the Signature College Real Rewards Card
Earn 1.5 points monthly for every dollar you spend on eligible net purchases.1 There is no cap or limit on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers.
Rewards Program
- Earn 1.5 points for every eligible net $1 you spend.1
- No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.2
- 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
- Zero Fraud Liability4
Cardmember Benefits
Enjoy chip-enhanced acceptance and security plus a variety of important features, including zero fraud liability4 and auto rental collision damage waiver. See Consumer Card Features and Benefits for a complete listing of all card benefits.
Special Offers
Introductory 0.00% APR for the first 6 billing cycles on purchases. * and balance transfers.
Purchase APR
After that, a variable APR, currently 13.99% to 22.99%.* See the Terms and Conditions for complete details.
Annual Fee
No Annual Fee
Minimum Requirements
Applicant must be 18 years of age and have a U.S. address and Social Security number.
*The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.
We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1 You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back).
2 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).
3 Rewards points can be redeemed as a cash deposit to a checking or savings account with this Finacial 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. Monthly net purchase bonus points will be applied each billing cycle.
4 Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated, and American Express. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.