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When you belong with Spectrum Credit Union, you get access to complete financial wellbeing. We are committed to providing you with high-quality financial services and personalized customer service that will set you up for success.

That’s why in addition to the right accounts and the right loan options, you get to choose the right credit card too.

We partner with Elan Financial Services to offer a variety of credit card options to meet your needs. Whether you’re planning a trip, managing household expenses, or looking to build your credit history, we’ve got you covered. Choose from low intro rate, rewards, or cash back deals — all with the added security of smart chip technology and the added convenience of mobile purchasing capabilities.

Existing cardholder?


To report a lost or stolen card 24 hours a day, please call toll-free 866-633-9958. If you are outside of the United States, call us collect at 701-461-1878.

Visa® Max Cash Preferred Card

Maximize cash back to suit your needs, with 5% cash back in two categories you choose.

  • 5% cash back on first $2,000 of combined quarterly purchases in two categories such as TV, internet & streaming services, home utilities, cell phone providers, and more1
  • 2% unlimited cash back on choice of one everyday category such as gas stations & ground transportation, restaurants & food delivery, and grocery stores & grocery delivery
  • 1% unlimited cash back on all other eligible purchases
  • Redeem cash back through statement credit, rewards card, or deposit to qualifying account1
  • $150 bonus awarded after you spend $500 within first 90 days of account opening2

Visa® Platinum Card

Transfer balances from other cards and take advantage of this card’s extended low introductory rate to pay down balances faster.

  • Save on interest with a low introductory rate for an extended time
  • Pay down your other credit card balances faster
  • Use for large purchases, unexpected expenses, or last minute necessities

Visa® Secured Card

Improve or reestablish your credit history with a card that offers the convenience of credit and the ability to earn interest on your secured savings account.

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card3
  • Enjoy the convenience of credit, including the option to carry a balance
  • Earn interest on the money in your secured savings account
  • New! No annual fee

Visa® Real Rewards Card

Every purchase earns 1.5X rewards, and there are no limits on the number of points you can earn.

  • Earn 1.5 points per $1 you spend on eligible purchases (equal to 1.5% cash back)4
  • 2,500 bonus rewards points awarded after first purchase2
  • No caps or limits on the number of points you can earn, and you have five years to redeem for rewards

Visa® College Real Rewards Card

Great for those starting to build a credit history  — with every purchase earning 1.5X rewards and no limits on the number of points you can earn.

  • Earn 1.5 points monthly for every dollar you spend on eligible net purchases4
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards
  • 2,500 bonus rewards points awarded after first purchase2, redeemable for $25 cash back, merchandise, gift cards, or travel savings

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 rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

1 Max Cash Preferred Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire. 
2 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). If you’re approved for a new Real Rewards Card, 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 Max Cash Preferred Card, one-time $150 bonus will be awarded for redemption after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.
3 Late payments and going over the credit limit may damage your credit history.
4 Real Rewards Card: 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.

Ready to become a member? Let’s get started.

If you’re eligible for membership, we’re ready to hear from you. Not sure if you’re eligible? You can check if you qualify here.

Why join Spectrum Credit Union? Learn more.

From everyday finance to life’s big money moments, it’s better when you belong.