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Credit Cards

MCU has partnered with Elan Financial Services to provide a variety of consumer and business credit card options to fit your needs. Open a credit card with MCU today and start building credit with every payment.

With 6 great credit cards to choose from, getting the right credit card couldn’t be easier.

Whether you want 0% APR for 20 months on balance transfers, to maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you. And there are No Annual Fees for any of our consumer credit cards!

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!
Visa Credit Cards
everyday rewards visa credit card

Everyday Rewards+ Card1,3
Unlimited points potential. Unrivaled reward options.

  • $200 bonus reward (20,000 points) after you spend $1000 within first 120 days of account opening
  • 4x unlimited points on dining, take-out & food delivery1
  • 2x unlimited points at grocery stores, grocery delivery, gas stations and streaming services 
  • 1x unlimited points on all other eligible purchases
  • Flexible rewards redemption Redeem points for cash back, travel, merchandise and more.
  • Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, 16.74% to 26.74% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions
  • No annual fee. See terms & conditions
Visa Max

Max Cash Preferred Card2,3
Get more value with up to 5% cash back in 2 categories you choose.

  • Earn a $150 Bonus after $500 of eligible net purchases are made within the first 90 days of opening account.
  • Intro APR* for Balance Transfers: 0% introductory APR for the first 12 billing cycles for balances transferred within 366 days from account opening. After that, 14.49% to 23.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
  • APR for Purchases: 16.74% to 26.74% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
  • 5% cash back on the first $2,000 combined eligible purchases each quarter in categories you choose.
  • Unlimited 2% cash back2 on eligible net purchases on one everyday category chosen.
  • Unlimited 1% cash back on all other eligible net purchases.
  • No annual fee. See terms & conditions
Platinum card Visa

Platinum Card
Enjoy the everyday convenience of a credit card while saving on interest with a low introductory rate.

  • 0% Intro APR* for 18 billing cycles on purchases and balance transfers. After that, 16.24% to 26.24% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
  • You could save on interest and pay down your other credit card balances faster. 
  • No annual fee. See terms & conditions.

College Real Rewards Card3, 6
Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back)6 and work towards building a strong financial future.4

  • Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 16.74% to 26.74% based on your creditworthiness when you open your account. Platinum Real Rewards: 16.74% to 26.74% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. See terms & conditions.
  • Get 2,500 bonus points after your first purchase6
  • Redeem your points for cash back, travel, merchandise or gift cards
  • No annual fee. See terms & conditions.

Secured Card
A card that’s perfect for anyone who wants to improve or establish their credit.4

  • APR for Purchases and Balance Transfers: Secured: 26.24% This APR will vary with the market based on the Prime Rate. See terms & conditions.
  • Enjoy the convenience of credit, including the option to carry a balance
  • Earn interest on your companion secured savings account
  • No annual fee. See terms & conditions.

MAX Cash Secured Card3,5
Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose.5

  • APR* for Purchases and Balance Transfers: 28.24% This APR will vary with the market based on the Prime Rate. See terms & conditions.
  • 2% unlimited cash back5 on one everyday category of your choice 
  • 1% unlimited cash back on all other eligible purchases
  • No annual fee. See terms & conditions.

MCU Business Credit Cards

There are multiple credit card options to fit your business needs, including cash back rewards, bonus point rewards and more. Click here to learn more.

All legal language comes from the Elan Financial Services website. Madison Credit Union tries to update the credit card options and their terms and conditions as soon as possible. However, there may be a situation where the information provided on our website is outdated. For the true and correct latest credit card offers and terms and conditions, please visit : https://creditcardlearnmore.com/11t3/index?ecdma-lc=00760&ecid=OTHE_25940

Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its affiliates as provided under the Cardmember Agreement and applicable law.

Subject to credit approval.

*The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. For the Max Cash Preferred card, if you take advantage of this offer, you may not be able to avoid interest on future purchases, even if your offer has a 0% APR. You can avoid interest on purchases if you pay your entire account balance, including any balances you create with this offer, in full by your due date each month. For the Max Cash Preferred card, the introductory rate also does not apply to purchases. We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1 If you’re approved for a new Everyday Rewards+ Card, a one-time 20,000 bonus points ($200 value) will be awarded after eligible net purchases totaling $1000 or more are made to your account within 120 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. 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 and electric vehicle charging stations, 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. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, within seven business days, as a statement credit to your credit card account 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.

2The 0% introductory APR applies to balance transfers and is valid for the first 12 billing cycles. The introductory rate does not apply to purchases and cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum payment will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. If you take advantage of this offer, you may not be able to avoid interest on future purchases, even if your offer has a 0% APR. You can avoid interest on purchases if you pay your entire account balance, including any balances you create with this offer, in full by your due date each month. We may change APRs, fees, and other Account terms in the figure based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. 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, within seven business days, as a statement credit to your credit card account 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. Rewards can be redeemed as 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 as a Rewards Card ($25 minimum redemption). 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 credits to your rewards balance.

3 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).

4 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.

5 If you’re approved for a new 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, within seven business days, as a statement credit to your credit card account 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

6 If you are approved for a new 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 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.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Elan Contact Information

Cardmember Service:
800-558-3424

Business Cardmember Service:
866-552-8855

Elan Credit Card Account Access

Payment Address:
Cardmember Services
PO Box 790408
St. Louis, MO 63179-0408

Overnight Payments:
Cardmember Service
824 N 11th Street
St. Louis, MO 63101-1016