Opus Bank Personal Credit Cards

Opus Bank offers credit cards to fit your unique needs – from rewards cards that earn up to 1% cash back* to cards for your college student.

• Visa Signature Rewards – With this credit card you receive 1% cash back for every dollar you spend with no limit to how much you can earn. There is no annual fee.
• Visa College Rewards – This credit card is ideal for helping your student build their financial freedom. There’s no annual fee** and you earn one reward point for every dollar you charge on the card.
• Secured Visa Credit Card – This card is designed for those who are looking to build their credit. Your credit limit is tied to your Secured Savings Account balance.

*Rewards points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. Bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. See an Associate for full details. The creditor, issuer and service provider of these credit cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

**The 0% introductory APR applies to purchases and balance transfers and is valid for the first 6 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 06/28/2012, the undiscounted variable APR for Purchases and Balance Transfers is 9.99%- 20.99% (based on your creditworthiness). The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 4% of each check amount, $10 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 4% of each transfer amount, $10 minimum. There is a $2 minimum finance charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. 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. The creditor, issuer and service provider of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. ​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​