Credit Cards

Republic Bank has the card that’s right for you.

All Republic Bank credit cards come packed with benefits including the latest CHIP technology and easy account access from your desktop or mobile device to check balances, make payments, and set up alerts and more. If you’re looking to save with a lower introductory rate or earn valuable rewards, we’ve got you covered!

Visa® Platinum Card

You could save on interest with an extended low introductory rate and pay down other credit card balances faster. Apply now 
 

Visa® Real Rewards

Watch your rewards add up fast with 1.5 points for every $1 you spend on eligible net purchases (equal to 1.5% cash back).5 Plus get a $25 Reward bonus after your first purchases3. There is no limit on the total cash back you can earn, and you have five years to redeem for rewards.   Apply now
 

Premier Rewards American Express®

Earn up to 4 points on eligible net purchases! Earn 4 points for every $1 spent on eligible net restaurant purchases6, 3 points for every $1 spent on elgibile net airline purchases, 2 points for every $1 spent on eligible net gas station purchases, and 1 point for every $1 spent on all other eligible net purchases, plus earn 10,000 one-time bonus points after you spend $1,000 in the first three months3. There is no cap or limit on the number of points you can earn, and you have five years to redeem for rewards.4 Apply now

Cash Rewards American Express® Card

Earn cash back1 every time you use your card: 3% on the first $6,000 in eligible net purchases made each year at gas stations,2 4, 2% on eligible supermarket net purchases, and 1% on all other eligible net purchases, plus $25 cash back after your first purchase 3Apply now
 

 

 

Existing Card Holders
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Visa® Secured Card3

Start building (or rebuilding) your credit history 8, even if you've been turned down for other credit cards, with flexible credit lines based on a security deposit and a low annual fee. Apply now

 

  1. Rewards points can be redeemed as a cash deposit to a checking or savings account at Republic Bank or as a statement credit to your credit card account within one to two billing cycles.

  1. Cash Rewards Card:  “Cash Back Rewards” are the rewards you earn under the program.  Cash Back Rewards are tracked as points and each point in the Cash Back Rewards earned is equal to $0.01.  You may simply see “Cash Back” in marketing material when referring to the rewards you earn.  You will earn 1 Reward Point (“point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle.  You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a supermarket.  The number of additional Points earned on a supermarket Purchases is unlimited.  In addition you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category codes: automated fuel dispenses and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account.  Automated fuel dispensers and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle.  Points expire five years from the end of the quarter in which they are earned. 

  1. Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchases and are not awarded for balance transfers or cash advances.  One-time bonus rewards will be awarded after eligible net purchases total $1,000 or more are made to your account within three months of account opening.

  1. 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, or Convenience Checks.  Upon approval see your Cardmember agreement for details.  You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including but not limited to, due to Program misuse, failure to pay, bankruptcy or death.)

  1. Real Rewards: 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.

  1.  Premier Rewards Card Points:  You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.

  1. Certain limitations and restrictions may apply.  Further details are available in Guide to Benefits which is provided to new cardmembers upon approval. 

  1. Late payments and going over the credit limit may damage your credit history. 

The creditor and issue of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.