Credit Cards

Bell State Bank & Trust offers regular Visa® credit cards, as well as reward and travel cards offering cash back and points, with no annual fees. Plan a dream trip, manage finances or build stronger credit. There’s a credit card to fit your needs, and it won’t take long to find the one that’s right for you.

Personal Credit Cards from Bell State Bank & Trust

Visa® Bonus Rewards Card

  • Get 25% more on all points earned every month, automatically¹
  • No caps or limits on points earned
  • $25 cash back with your first purchase
  • No annual fee

Visa® Bonus Rewards PLUS Card

  • Get 50% more on all points earned every month, automatically²
  • No caps or limits on points earned
  • $50 cash back with your first purchase
  • $50 annual fee

Visa® Platinum Card

  • Our best introductory APR offer
  • Save on interest and pay down your other credit card balances faster
  • Enjoy the everyday convenience of a non-rewards card

Visa® College Rewards

  • For college students
  • Earn 1 reward point for every $1 in net purchases
  • Receive 1,000 bonus rewards points with your first purchase
  • Low rates and manageable credit lines

Visa® Secured Card

  • Improve your credit
  • Low annual fee
  • Flexible credit lines based on security deposit ranging from $300 to $5,000

¹The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25 points)

²The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.50 points)


Apply online or stop by one of our locations for your choice of personal credit cards through Elan Financial Services.

To Report a Lost or Stolen Credit Card

If your credit card has been lost or stolen, contact Elan Financial Services immediately by calling 24-Hour Cardmember Service at 800-558-3424.

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Our personal bankers are here to help you open a credit card.

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