Personal Credit Cards

Choose the right Valley credit card for you

 

Valley offers a selection of credit cards with a diverse range of benefits to fit your needs - from low introductory APR on balance transfers to cash back and rewards. See our special limited time offer or scroll down for more options.

 

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Visa^® Platinum Card

• Save on interest with a great low introductory rate for an extended time.

• Use for large purchases, unexpected expenses or last-minute necessities.

• Pay down your other high-rate credit card balances faster.

• Non-Rewards.

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Visa^® Max Cash Preferred Card

• 5% cash back on first $2,000 of combined quarterly purchases in two categories like: TV, Internet & Streaming Services, Home Utilities, Cell Phone Providers and more!¹

• 2% unlimited cash back on choice of one everyday category like Gas Stations & Ground Transportation, Restaurants & Food Delivery and Grocery Stores & Grocery Delivery

• 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.¹

• $150 cash back after you spend $500 in the first 90 days.²

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Visa^® Everyday Rewards+ Card

• 4x unlimited points on dining, take-out & food delivery.³

• 2X unlimited points at grocery stores, grocery delivery,
  gas stations and streaming services.

• 1x unlimited points on all other eligible purchases.

• $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening.⁴

• Redeem points for Travel, Cash Back and more.

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Travel Rewards+ Card

• 4x unlimited points on travel, gas, electric vehicle charging stations, entertainment, and recreation purchases⁸

• 1.5x unlimited points on all other eligible net purchases

• Earn 25,000 points when you spend $2,000 within the first 120 days of account opening⁹ 

• Redeem points for travel, cash back⁸ and more

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Reserve Rewards+ Card

• 6x unlimited points on travel through the Rewards Center¹⁰

• 2x unlimited points on all other eligible net purchases

• Earn 50,000 points when you spend $4,500 within the first 90 days of account opening¹¹ 

• Redeem points for travel, cash back¹⁰ and more

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Visa^® Max Cash Secured Card

• Make improving your credit score even more rewarding with 5% cash back on first $2,000 of combined quarterly purchases in two categories like: TV, Internet & Streaming Services, Home Utilities, Cell Phone Providers and more! ^5,6

• 2% unlimited cash back on choice of one everyday category like Gas Stations & Ground Transportation, Restaurants & Food Delivery and Grocery Stores & Grocery Delivery.

• 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. ⁵

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Visa^® Secured Card

• 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 history⁶, here's a great way to begin that process.

• Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account. ​

• Earn interest on the money in your secured savings account.

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Visa^® College Real Rewards Card

• Earn 1.5 points monthly for every dollar you spend on eligible net purchases.⁴

• No cap or limit on the points you can earn, plus you have five years to redeem points for rewards³

• 2,500 bonus rewards points awarded after first purchase⁵, redeemable for $25 cash back, merchandise, gift cards or travel savings.

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hidden text to fill headerTips, guides, and insights

Disclosures:

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).
 

1. 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.

2. 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 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

3. 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.

4. If you’re approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points ($150 value) will be awarded 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 credited to your rewards balance.

5. 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.

6. 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.

7. 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 (2,500) 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.

8. Travel Rewards+ Card: You will earn one and one-half (1.5) Points for every $1 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 2.5 additional Points for every $1 in 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. 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.

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. Reserve Rewards+ Card: You will earn two (2) Points for every $1 dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn four (4) additional Points (6 Points total) for every $1 in eligible Net Purchases spent on airline tickets, car rental, 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. 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.

11. 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.

 
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
 
The creditor and issuer of these Cards is Elan Financial Services, pursuant to license from Visa U.S.A. Inc.