Credit Cards

You don’t have to break the bank to put the things you want in life within reach. A credit card can increase your buying power to help you purchase large items, but also every day items, and you can even earn rewards while you do it.

All our cards are on the table

Helping you spend less time banking and more time enjoying life is just part of the Bremer experience. That’s why we offer a wide variety of personal credit cards for you to choose from based on your lifestyle, your needs and your financial goals. So whether you’re looking for low interest rates, cash-back rewards or premium perks, we’ve got the perfect card for you. Your card also comes with peace of mind benefits such as Zero Fraud Liability4 and auto rental collision damage waiver.5

Visa® Platinum Card

Take advantage of special introductory interest rates for an extended time to help pay down your debt and other credit card balances even faster.

Earn rewards with every purchase

Visa Real Rewards Card

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Cash Rewards American Express® Card

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Premier Rewards American Express® Card

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Build your credit

Visa® Secured Card

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Visa® College Rewards Card

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  • 1 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 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).
  • 2 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.
  • 3 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. First purchase bonus points will be applied 6-8 weeks after first purchase and are not awarded for balance transfers or cash advances. If you are approved for a new Premier Rewards American Express Card, one-time bonus points will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
  • 4 Elan Financial Services provides Zero Fraud Liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
  • 5 Certain terms, conditions and exclusions apply. Please refer to your Guide to Benefits that will be mailed with your new card for further details and to determine if the Auto Rental Coverage is right for you.
  • 6 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 see “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.
  • 7 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.
  • 8 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.
  • 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.