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Welcome to Opportunity

Credit Cards

(570) 823–6836

Cross Valley Visa® Credit Cards

Opens doors, earns rewards.

No matter what you’d like your credit card to do for you, we have an option. With eight Visa cards to choose from, the choice is your—from premium travel rewards to cash back and more. We even have three cards built specifically to help you build or improve your credit.

  • Competitive rates, flexible terms
  • Zero fraud liability¹ fraud monitoring
  • Contactless + chip-enhanced cards
  • Digital wallet-ready
  • Text alerts and reminders
  • Online account management

Apply today

Your ticket to faster purchasing.

Access your Cardmember account below to make payments, check your balance, dispute charges and more.

Access your account

Buying now = reward later

You want rewards? How about multiple ones?

There is no cap or limit on the points you can earn. Choose to redeem your points for loads of options, including:

  • Merchandise (music, movies, books, electronics)
  • Brand name gift cards to over 250 brands of retailers and restaurants
  • Travel (air travel, hotel stays, rental cars and more)

Pick your perfect card

Explore our credit cards

Try on a card, see if it fits.

We’ve got a lot of options for you, each with various rewards and features to choose from, to fit pretty much any lifestyle.

Choose your Visa card:

Visa Everyday Rewards+

Earn up to 4x unlimited points AND receive a $150 bonus.

Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, 19.49% to 29.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.

  • 4x unlimited points on dining, take-out & food delivery
  • 2x unlimited points at grocery stores, grocery delivery, gas stations and streaming services
  • 1x unlimited points on all other eligible purchases
  • Earn 15,000 points when you spend $500 within the first 90 days of account opening
  • No annual fee

Apply for Everyday Rewards+

Visa Travel Rewards+ Card

Earn 4x unlimited points on travel and more, plus receive a $250 bonus.

APR for Purchases and Balance Transfers: 19.74% to 29.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.

  • 4x unlimited points on travel, gas stations, electric vehicle charging stations, entertainment, and recreation purchases
  • 1.5x unlimited points on all other eligible purchases.
  • Earn $250 bonus reward (25,000 points) when you spend $2,000 within the first 120 days of account opening
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards.
  • Redeem points for travel, cash back and more
  • $0 intro annual fee the first year. After that, annual fee is $99

Apply for Travel Rewards+

Visa Max Cash Preferred Card

Get more value with up to 5% cash back in two categories you choose.

APR for Purchases: 19.49% to 29.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.

  • 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, 19.49% to 29.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.
  • 2% unlimited cash back on one everyday category of your choice
  • 1% unlimited cash back on all other eligible purchases
  • $150 bonus reward after you spend $500 within the first 90 days of account opening
  • No annual fee

Apply for Max Cash Preferred

Visa Max Cash Secured Card

Make improving your credit score4 even more rewarding with up to 5% cash back in two categories you choose.

APR for Purchases and Balance Transfers: 29.99% This APR will vary with the market and is based on the Prime Rate.

  • 2% unlimited cash back on one everyday category of your choice
  • 1% unlimited cash back on all other eligible purchases
  • No annual fee

Apply for Max Cash Preferred

Visa Secured Card

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

APR for Purchases and Balance Transfers: Secured: 29.24% This APR will vary with the market and is based on the Prime Rate.

  • Enjoy the convenience of credit, including the option to carry a balance
  • Earn interest on your companion secured savings account
  • No annual fee

Apply for Secured

Visa Platinum Card

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

Intro APR* for Purchases and Balance Transfers: Platinum: 0% introductory APR for the first 18 billing cycles. After that, 18.24% to 29.24% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.

  • Save on interest and pay down your other credit card balances faster
  • Get the flexibility to pay in full or pay down over time
  • No annual fee

Apply for Platinum

Visa College Real Rewards Card

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

Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 19.49% to 29.74% based on your creditworthiness when you open your account. Platinum Real Rewards: 19.49% to 29.74% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.

  • Redeem your points for cash back, travel, merchandise or gift cards
  • No annual fee

Apply for College Real Rewards

infinite reserve card

Visa Infinite Reserve Rewards+ Card

Exceptional premium rewards on travel and more.

A variable APR on purchases and balance transfers, currently 19.74% to 29.74%.*

Earn up to 6 points for every dollar you spend on eligible purchases. There is no cap or limit on the points you can earn. Choose to redeem your points for merchandise, brand-name gift cards, travel, cash back and more.

  • 6X unlimited points and $100 annual credit on travel booked through the Rewards Center.
  • 2X unlimited points on all other eligible purchases.
  • Up to $240 in statement credits for eligible purchases on sports & fitness, personal care, entertainment & streaming services, and dining, takeout & restaurant delivery purchases
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards
  • Earn $500 bonus reward (50,000 points) after you spend $4,500 within first 90 days of account opening
  • $390 Annual Fee

Apply for Infinite Reserve Rewards+

Credit Card Education

Let’s Talk About…

Building credit with credit cards.

Using a credit card is a tried and true way to build or improve your credit score. All it takes is a little determination, a little restraint (don’t max out your card!) and consistency. By making timely payments and keeping your credit card balance low relative to your credit limit, you demonstrate financial responsibility which then gets reported to credit bureaus, gradually improving your credit history and eventually your credit score.

Let’s Talk About…

Good credit habits:

Have a credit card? Show it (and your finances) some respect by making timely payments every month to show reliability. Keep credit card balances low and maintain a healthy credit utilization ratio. Finally, regularly check your credit report for accuracy and address any issues promptly for a strong credit profile. Respect given. Respect earned.

¹

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.

²

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.