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Choose a credit card with rewards points, cash back and more

Find the right credit card

No matter which card you choose, you’ll enjoy important features like:

  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Plus much more!

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I am always impressed with the customer service at Bell Bank. I feel they truly care about me and I am not just another number.
-Becky B.

Pick the best rewards card for you


Pay down balances

Visa® Platinum Card

Save on interest with a great low introductory rate for an extended time. Pay down other credit card balances faster with this non-rewards card.

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Flexible cash rewards

Cash Rewards American Express® Card

Earn cash back1 every time you use your card: 3% on the first $6,000 ineligible net purchases made each year at gas stations,2,4 2% on eligible supermarket net purchases, and 1% on all other eligible net purchases, plus $25 cash back after your first purchase.3  

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Rewards to use the way you want4

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  Plus, earn 2,500 bonus rewards points after your first purchase.There is no limit on the total cash back you can earn, and you have five years to redeem for rewards.

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Premier Rewards American Express® Card

Earn up to 4 points for every $1 spent on eligible net restaurant purchases,6 3 points for every $1 spent on eligible net airline purchases, 2 points for every $1 spent on eligible net gas purchases and 1 point for every $1 spent on all other eligible net purchases. Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months.There's no cap or limit on the number of points you can earn, and you have five years to redeem for rewards.4 Also, receive reimbursement for either Global Entry or TSA Pre✔®.7

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Build your credit

Visa® College Real Rewards Card

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

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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. 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 while earning on interest on your secured savings account. 

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Apply for a credit card

Bell partners with Elan, one of the nation's leading credit card issuers for banks.

Apply now or stop by one of our branches for an application.

Credit card lost or stolen?

To report a lost or stolen credit card, contact Elan Financial Services immediately by calling 24-Hour Cardmember Service toll free at 800-558-3424.

 

1 Reward points can be redeemed as a cash deposit o a checking or savings account with this Financial Institution or as a statement credit on 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 se “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 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, 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 any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

3 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 se “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 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. Inaddition, 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 any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.

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 Card member 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.

6 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 merchants which categorize their business as a service station 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. 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

Why Bell

At Bell Bank, you can always count on real people with real expertise. You’ll feel good about your local, independent bank that’s here when you need us.


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Find the right credit card

Fight online fraud by updating antivirus software

At Bell, we highly recommend that you install and update antivirus/anti-malware online security software to prevent fraudsters from accessing your personal information.

Paperless: it’s the right thing

Save stacks of paper (and several trees) when you choose paperless statements. Plus, you’ll get $5 per deposit account the first time you switch to online paperless statements.

Pay with a tap or touch

Simplify everyday purchases by adding your Bell Debit Mastercard® to your mobile wallet. Use your smartphone to pay with just a tap or a touch.