Credit Cards

Choosing the right credit card is easier than ever

Enjoy American Savings Bank credit card benefits!         
From cash back, travel rewards, points and bonus offers to credit cards to help build or start your credit history

APPLY NOW

(Online Banking Required)     
If you don’t have Online Banking, please visit a branch near you to apply.

Get Rewarded to Travel

Visa® Reserve Rewards+ Card

Earn travel rewards like airport lounge access with Priority PassTM Select membership1 and TSA PreCheck® or Global Entry Credit®.2

  • 6X points on travel when booked through Rewards Center3
  • 2X points on all other purchases
  • $100 annual travel credit4
  • Up to $240 in statement credits for eligible sports & fitness, personal care, entertainment & streaming services, dining, takeout & restaurant delivery purchases5

Plus, receive a 50,000 bonus points (worth $500) when you spend $4,500 within the first 90 days of account opening6

Visa® Travel Rewards+ Card

Earn 4X points on travel and more with no caps or limits on the amount of points you earn.

  • 4X points on travel purchases, gas stations, electric vehicle charging stations and entertainment and recreation purchases7
  • 1.5X points on all other eligible purchases
  • Redeem points for your choice of travel, cash back8, merchandise and gift cards

Plus, receive a 25,000 bonus points (worth $250) after you spend $2,000 within first 120 days of account opening9 

Earn Cash Back or Points

Visa® Max Cash Preferred Card

Earn up to 5% cash back and choose your spending categories to maximize the amount of cash back you receive.

  • 5% cash back on two spending categories10
  • 2% unlimited cash back on one everyday category10
  • 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

Plus, receive a $150 bonus reward when you spend $500 within the first 90 days of account opening11

Visa® Everyday Rewards+ Card

Earn up to 4X unlimited points on everyday spending categories.

  • 4X unlimited points on dining, take-out & food delivery12
  • 2X unlimited points at grocery stores, grocery delivery, gas stations and streaming services
  • 1X unlimited points on all other eligible purchases
  • Redeem Cash Back for a Statement Credit, Rewards Card, or a Deposit to a Qualifying Account

Plus, receive a $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening13 

Start and Build Your Credit History

Fund your secured card with a deposit of $300-$5,000. If approved, your card will arrive with a credit line matching the amount you deposit.

Visa® Max Cash Secured Card

Build your credit and up to 5% cash back in categories where you’re already spending.14

  • 5% cash back on two spending categories14
  • 2% unlimited cash back on one everyday category14
  • 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

Visa® Secured Card

Start and establish your credit history while earning interest on the money in your secured savings account.

  • Enjoy the convenience of credit, including the option to carry a balance
  • Earn interest on the money in your secured savings account

Consolidate Your High Interest Balances

Visa® Platinum Card

  • Use for large purchases, unexpected expenses or last-minute necessities
  • Pay down your other high-rate credit card balances faster
  • Non-Rewards

credit card art

Pay On-the-Go With Your Mobile Wallet

Link your ASB Visa card to your smartphone and with just the touch of your finger, transactions are securely processed without ever revealing your card number.

ASB Online Account Opening

Checking and savings accounts can help you manage your money. Get started by opening an account online, without coming into a branch.

Contactless Credit Cards

Pay in a matter of seconds wherever you see the Contactless Symbol. It's easy, fast and secure!

Choosing the Right Credit Card for You thumbnail

Choosing the Right Credit Card for You

Are you in the market for a new credit card? With all the options available, it’s hard to know which one is right for you. At American Savings Bank, w...

Read More >

CREDIT CARDS VS. DEBIT CARDS - WHAT'S THE DIFFERENCE? thumbnail

Credit Cards vs. Debit Cards - What's the Difference?

Credit and debit cards often look nearly identical at first glance. When someone pulls a card out in the checkout line, you may not know if they’re us...

Read More >

Understanding Interest Rates thumbnail

Understanding Interest Rates

You might have heard about interest rates but do you really know what they are and how they can help your finances? You might know that interest is th...

Read More >

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 a Program misuse, failure to pay, bankruptcy, or death).

  1. Certain terms, conditions and exclusions apply. To enroll for Priority Pass Select and for further details visit: Reserve Rewards+: https://prioritypass.com/ReserveRewardsvs; Travel Rewards+: https://prioritypass.com/TravelRewardsvs. Offers vary by location. View terms and conditions at https://prioritypass.com/en/conditions-of-use.
  2. Certain terms, conditions and exclusions apply. You must complete either the Global Entry® and/or TSA PreCheck® application(s) and pay the application fee(s) with your Reserve Rewards+ Card. For complete details on the TSA PreCheck® program, including full terms and conditions, go to https://www.tsa.gov/precheck. The TSA PreCheck® trademark is used with the permission of the U.S. Department of Homeland Security. Please visit https://card.myaccountaccess.com/ReserveRewardsVisa for further details and full terms and conditions.
  3. Reserve Rewards+ Card: You will earn 2 Points for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 4 Points (6 Points total) for every $1 in eligible net purchases spent on prepaid car rental, airline tickets 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. Points expire five years from the end of the quarter in which they are earned.
  4. In order to qualify for the travel credit, you must make travel purchases in the Rewards Center using your Reserve Rewards+ Card. Credit(s) matching the purchase amount(s) of up to $100 per 12-month period will be applied to your account within 2 statement billing cycles after the purchase(s) post to the account. The account must be in good standing (not past due or overlimit) to qualify for annual credits. The 12-month period begins on the account opening date and restarts annually thereafter. We reserve the right to adjust or reverse any portion or all of any purchase for unauthorized purchases or transaction credits. You are not eligible for this annual credit if you change cards.
  5. Automatic statement credit(s) of up to $20 per month (up to $240 annually) will be applied to your account within 2 statement billing cycles after purchases are made in the following four eligible categories. Categories qualify individually at a rate of $5 per category per month. Purchase categories include: (1) Eligible Sports and Fitness purchases, such as sporting goods stores, golf courses, annual/monthly workout subscriptions, and fitness centers. (2) Eligible Personal Care purchases, such as salons, barbers, spas, drug stores, and most merchants classified as pharmacies. (3) Eligible Entertainment and Streaming purchases, such as Netflix, Hulu, Apple Music, and tickets to movies, sporting events, and concerts purchased directly through the venue or from qualifying ticket sellers such as Ticketmaster® and StubHub®. (4) Eligible Dining purchases, such as restaurants, restaurant delivery, fast food restaurants, and bars. A single purchase transaction of at least $5 per month at eligible merchant(s) must be made to receive the credit in each category. The account must be in good standing (not past due or overlimit) to qualify for any annual credits. The 12-month period begins on the account opening date and restarts annually thereafter. Purchases qualify based on how a merchant’s business is classified. A Purchase will not qualify for the annual credit if the merchant’s selected code is in a category that does not qualify. We do not determine the category codes that merchants choose and we reserve the right to determine which purchases qualify. We reserve the right to adjust or reverse any portion or all of any purchase for unauthorized purchases or transaction credits. You are not eligible for this annual credit if you change cards.
  6. 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.
  7. Travel Rewards+ Card: You will earn 1.5 Points for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 2.5 Points (4 Points total) for every $1 in eligible 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. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Points expire five years from the end of the quarter in which they are earned.
  8. 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).
  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. 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.
  11. 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 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.
  12. 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.
  13. If you’re approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points (a $150 value) 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 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.
  14. 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.

* The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc