Credit Cards
Your new credit card is available at Desert Community Bank. If you're looking for cash back, reward points, or an extended introductory rate, you're in the right place.
Types of credit cards:
Pay down your other credit card balances faster with a great low introductory rate for an extended time.
- Enjoy extended low introductory rate.
- Save on interest and pay down your other credit card balances faster.
Earn cash back on everyday purchases—with bonus rebates at gas stations and supermarkets.
- 5% cash back on first $2,000 of combined quarterly purchases in two categories, like TV, Internet and streaming services, utilities, cell phone providers, and more.1
- 2% unlimited cash back on choice of one everyday category.1
- Earn 1% cash back on all other eligible purchases.1
Purchases earn reward points which can be redeemed for cash back, gift cards, merchandise, and travel.
- Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back).2
- No caps or limit on the points you can earn, plus you have five years to redeem points for rewards.3
- Receive 2,500 bonus rewards points after first purchase.4
A convenient way for students to accrue reward points with everyday purchases.
- Earn 1.5 points for every dollar you spend on eligible purchases.2
- No cap or limit on the points you can earn, plus you have five years to redeem points for rewards.3
- Receive 2,500 bonus rewards points after first purchase,4 redeemable for $25 cash back, merchandise, gift cards or travel savings.
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,5 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.
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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 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).
1Max 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.
2Real 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.
3The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases.
4Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.
5Late 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 a license from Visa U.S.A.