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Earn points on your purchases and redeem for the rewards you want.

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Earn Rewards

Credit Card Rewards to use the way you want!

No matter which of these two credit card options you choose, you’ll earn rewards that you can redeem for cash back, merchandise, travel, and gift cards from popular retailers. York Traditions Bank offers Visa and American Express rewards choices.

Visa® Signature Real Rewards

Get 1.5x Unlimited Rewards with the Visa Signature Real Rewards

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.

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Rewards Program

  • Earn 1.5 points for every eligible net $1 you spend.1
  • No cap or limit 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 15.99% to 24.99%.* See the Terms and Conditions for complete details.

Annual Fee
No Annual Fee. See the Terms and Conditions for complete details.

Minimum Requirements
Applicant must be 18 years of age and have a U.S. address and Social Security number.

Frequently Asked Questions 


*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 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. Monthly net purchase bonus points will be applied to 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.

Premier Rewards American Express®
york traditions bank credit card

Earn up to 4x Rewards with the Premier Rewards American Express

Earn rich rewards and get superior travel and lifestyle benefits with this chip-enhanced card.

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Rewards Program

  • 4 points per $1 spent on eligible net restaurant purchases.1
  • 3 points per $1 spent on eligible net airline purchases.
  • 2 points for every $1 spent on eligible net gas station purchases.
  • 1 point for every $1 spent on all other eligible net purchases.
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.2
  • 10,000 bonus rewards points after you spend $1,000 in the first 3 months (worth $100 Cash Back).3
  • Zero Fraud Liability4
  • No Foreign Transaction Fees

Cardmember Benefits
Enjoy chip-enhanced acceptance and security, plus a variety of important features, including zero fraud liability4, rental car insurance, travel inconvenience insurance, and premium concierge service. See Consumer Card Features and Benefits for a complete listing of all card benefits. This Card is issued and administered by Elan Financial Services.

Purchase APR
The APR on purchases is 15.99% to 24.99% based on your creditworthiness when you open your account. The APR on balance transfers is 15.99% to 24.99% based on your creditworthiness when you open your account. Purchase and Balance Transfer APRs will vary with the market based on the Prime Rate. Balance Transfer transaction fee of 3% of the amount of each transfer or $5 minimum, whichever is greater, will be applied. See the Terms and Conditions for complete details.

Annual Fee
First year free, then $99 Annual Fee. See the Terms and Conditions for complete details.

Minimum Requirements
Applicant must be 18 years of age and have a U.S. address and Social Security number.

Frequently Asked Questions 


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 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 merchant locations that are classified in any of the following merchant category codes: service stations 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.

2 The Elan Rewards Program is subject to change. Points expire five years from the end of the quarter in which they are earned. 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 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. 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 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.

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