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Credit Cards

Choosing the right credit card is like finding your car in the mall parking lot after a long day of shopping. It can be done, but you may need some help. That's why we've partnered with Elan™ Financial Services to offer six great personal credit card options for our members.
 
 
We're transitioning our credit card offerings from ATIRAcredit™ to Elan™ Financial Services. If you're currently an ATIRA cardholder, you can manage your account here
 
Watch for more information as we continue the transition to Elan™ Financial Services. 

Six credit card options

So you can get what you really want
 

Mastercard® Platinum Card

Best for: paying down balances and saving on interest
  • Extended intro rate (non-rewards)
    • Transfer balances from other higher rate cards
more info / apply online
 

Cash Rewards American Express® Card

Best for: earning valuable rewards and cash back
  • Up to 3% cash back*
    • 3% cash back on eligible purchases at gas stations
    • 2% cash back on eligible supermarket purchases
    • 1% cash back on all other eligible net purchases

Mastercard® Real Rewards Card

Best for: earning valuable rewards
  • 1.5x unlimited rewards redeemable for cash back*, travel rewards, merchandise and gift cards
    • 1.5 Points per $1 spent on eligible net purchases
 

Premier Rewards American Express® Card

Best for: earning even more rewards in popular spend catergories
  • Up to 4x rewards redeemable for cash back*, travel rewards, merchandise and gift cards
    • 4 Points per $1 spent on eligible restaurant purchases
    • 3 Points per $1 spent on eligible airline purchases
    • 2 Points per $1 spent on eligible purchases at gas stations
    • 1 Point per $1 spent on all other eligible net purchases
more infoapply online
 

Mastercard® College Real Rewards Card

Best for: earning valuable rewards
  • 1.5x unlimited rewards redeemable for cash back*, travel rewards, merchandise and gift cards
    • 1.5 Points per $1 spent on eligible net purchases
    • Account Alerts, Online and Mobile Account Access, Autopay, Zero Fraud Liability, Free Credit Score**
more info / apply online
 

Mastercard® Secured Card

Best For: building or rebuilding credit
  • The convenience of a credit card while working to build or improve your credit
  • Online Account Access, Account Alerts, Automatic Bill Pay, Free Credit Score**
more infoapply online
 
*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.
 
**The free VantageScore® Credit Score provided by TransUnion® is for educational purposes only and is not used by Elan Financial Services to make credit decisions.
 
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Mastercard 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. ©2018 Elan Financial Services


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