Choosing the right credit card is easier than ever!
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No matter which card you choose, you’ll enjoy important features like:
- Convenient and flexible purchasing power. Accepted at millions of locations worldwide.
- Mobile purchasing capability for added convenience.
- Zero Fraud Liability.* You won't be liable for fraudulent purchases when your card is lost or stolen.
- Cardmember Service available 24 hours a day/365 days per year.
- Plus much more!
Just Right for Large Expenses
Visa® Platinum Card
- Save on interest with a great low introductory rate for an extended time.
- Use for large purchases, unexpected expenses or lastminute necessities.
- Pay down your other high-rate credit card balances faster.
- Non-rewards.
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The Freedom to Choose and the Power to Earn
Visa Signature® Max Cash Preferred Card
- 5% cash back on the first $2,000 of combined quarterly purchases in two categories like: TV, internet & streaming services, home utilities, cell phone providers and more!1
- 2% unlimited cash back of choice of one everyday category like: gas stations & ground transportation, restaurants & food delivery and grocery stores & grocery delivery.
- Earn 1% unlimited cash back on all other eligible purchases.1
- Redeem cash back for a statement credit, rewards card, or a deposit to a qualifying account.1
- $150 cash back after you spend $500 within the first 90 days of account opening.2
- Learn More
More Rewards on the Things You Buy Every Day
Visa Signature® Everyday Rewards+ Card
- 4X unlimited points on dining, takeout & food delivery.3
- 2X unlimited points at grocery stores, grocery delivery, gas and electric vehicle charging stations and streaming services.
- 1x unlimited points on all other eligible purchases.
- $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening.4
- Redeem points for travel, cash back and more.
- Learn More
Exclusive Rewards on Travel and Frequent Purchases
Travel Rewards+ Card
- 4X unlimited points on travel, gas station & electric vehicle charging station, entertainment, and recreation purchases.8
- 1.5X unlimited points on all other eligible purchases.
- $250 bonus reward (25,000 points) after you spend $2,000 within first 120 days of account opening.9
- Redeem points for travel, cash back and more.
- Learn More
Exceptional Premium Rewards on Travel and More
Reserve Rewards+ Card
- 6X unlimited points and $100 annual credit on travel booked through the Rewards Center.10
- 2X unlimited points on all other eligible purchases.
- $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening.11
- Up to $240 in statement credits for eligible purchases on sports & fitness, personal care, entertainment & streaming services, and dining, takeout and restaurant delivery purchases.
- Learn More
Build Your Credit
Visa Signature® Max Cash Secured Card
- Make improving your credit score even more rewarding with 5% cash back on first $2,000 of combined quarterly purchases in two categories like: TV, internet & streaming services, home utilities, cell phone providers and more!5,6
- 2% unlimited cash back on choice of one everyday category like gas stations & ground transportation, restaurants & food delivery and grocery stores & grocery delivery.
- 1% unlimited cash back on all other eligible purchases.
- Redeem cash back for a statement credit, rewards card, or a deposit to a qualifying account.5
- Learn More
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 history,6 here's a great way to begin that process.
- Enjoy the convenience of credit, including the option to carry a balance.
- Earn interest on the money in your secured savings account.
- Learn More
Visa® College Real Rewards Card
- 1.5X points for every $1 you spend on eligible purchases (equal to 1.5% cash back)7 and work towards building a stronger financial future.6
- No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.7
- 2,500 bonus rewards points awarded after first purchase
- Redeem points for travel, cash back and more.
- Learn More
Frequently Asked Questions
If you have lost your Meriwest Visa Credit Card, please contact Elan Financial Services immediately:
- Consumer Credit Card: 1-888-297-3416
- Business Credit Card: 1-888-297-3416
For more information on how to protect yourself from fraud, please review our Fraud and Scam Prevention Video.
Find peace of mind with affordable identity protection
Deluxe Provent® offers a variety of identity theft protection services that provides protection on all fronts, including Prevention, Detection, and Restoration. You choose the identity and fraud protection services you want and only pay for what is important for you.
For more information, please visit our Identity Theft Protection page.
Contact us at 1-877-MERIWEST or (408) 363-3200 or visit one of our branch locations to order a new debit card.
Yes! Our Visa Secured 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 history, here's a great way to begin that process.
Ready to apply? Complete our Online Application to get started today.
Can I use digital wallet options with my Meriwest debit card?
Yes! You can use your Meriwest Mastercard® Debit card to pay at millions of store locations that accept mobile payments, plus in apps and online. Get started today by clicking on the icons below.
Visit our Digital Wallet page for more information.
Control your debit card through your mobile devices
Our Mobile App allows you to freeze (disable) and unfreeze cards, as necessary. You can also immediately and permanently cancel a lost or stolen card. Simply search "Meriwest" in the Apple App Store or Google Play Store to get started.
Visit our Mobile Banking page to learn more.
The best way to access your account number is through Online or Mobile Banking. Simply log in to Online Banking and click the account of your choice. The full account number will be visible.
There are a few convenient methods to make a credit card/loan payment:
- By Mail - Send a check to one of our branch locations. Please do not send cash through the mail.
- By Phone - Contact us at 877-MERIWEST or (877) 637-4937 to make a payment.
- Online - Make a loan payment with Online Bill Pay.
- You may also enroll in the Elan Credit Card service to make a credit card payment online.
A debit card is linked to your checking account and draws from the available money within the linked account. Our debit card has no monthly fee and offers unlimited point-of-sale transactions at no cost.
An ATM card can only be used at an ATM terminal to withdraw or deposit money. On rare occasions, certain merchants may accept ATM transactions.
You can check your own credit score for free once annually by visiting www.annualcreditreport.com.
Your credit score is an important part of your financial health, and we encourage members to review their credit reports regularly. Here’s what you should look for and what it means to your credit:
- Accuracy - Review the entire report for general accuracy. If you see any accounts that you didn’t open or any errors with existing accounts, you should contact the credit bureau to initiate the process to correct them.
- Inquiries - Your credit report will show who has been accessing your credit report.
Want to learn more about your credit score? Check out our Credit Scoring video!
Improve or re-establish your credit history with a Visa Secured Card
If you need to improve or re-establish your credit history, here's a great way to begin that process. With the Secured Card, you'll enjoy the convenience of credit while earning interest on your secured savings account.
For more information, please visit our Secured Card page or apply today!
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. If you’re approved for a new Max Cash Preferred Card, a 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. Everyday Rewards+ Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 3 additional Points for every dollar in eligible net purchases during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 1 additional Point for every dollar in eligible net purchases during each billing cycle at merchants classified as gas station, grocery store, supermarket or qualifying streaming subscription service. Refer to program rules for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. 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). Points expire five years from the end of the quarter in which they are earned.
4. If you’re approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points ($150 value) will be awarded 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.
5. Max Cash Secured 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. Rewards are earned on eligible net purchases. 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.
6. Late payments or going over the credit limit may damage your credit history. Your credit limit will be equal to the amount of your security deposit.
7. College 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. Reward points can be redeemed as a cash deposit to a checking or saving 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 (2,500) will be applied 6 to 8 weeks after first purchases and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
8. Travel Rewards+ Card: You will earn one and one-half (1.5) Points for every $1 dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 2.5 additional Points for every $1 in Net Purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station, electric vehicle charging station, entertainment, and recreation category codes. Additional Points for Entertainment and Recreation purchases are dependent on how merchants choose to classify their business. Merchants classified as Entertainment include: most cinemas, theme parks, concert venues, professional sports venues, and qualifying ticket sellers such as Ticketmaster® and StubHub®. Entertainment purchases that may not be eligible include tickets purchased from colleges and universities, associations, schools, and charitable organizations. Merchants classified as Recreation include: sports and recreation facilities that charge membership fees, sporting goods stores, public golf courses, fitness centers, ongoing fitness subscriptions, recreational vehicle parks and campsites, dance studios and schools, and bowling centers. Purchases from third parties and consultants at these locations may not qualify. A purchase will not earn additional Points if the merchant's selected code is in a category that is not eligible for additional Points earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional Points. 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). Points expire five years from the end of the quarter in which they are earned.
9. If you’re approved for a new Travel Rewards+ Card, a one-time 25,000 bonus points will be awarded after eligible net purchases totaling $2,000 or more are made to your account within 120 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.
10. Reserve Rewards+ Card: You will earn two (2) Points for every $1 dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn four (4) additional Points (6 Points total) for every $1 in eligible Net Purchases spent on airline tickets, car rental, and hotel reservations booked directly in the Rewards Center using your rewards credit card instead of Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. 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). Points expire five years from the end of the quarter in which they are earned.
11. If you’re approved for a new Reserve Rewards+ Card, a one-time 50,000 bonus points will be awarded after eligible net purchases totaling $4,500 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.
*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.
