ATM FINDER BRANCHES CONTACT HELP CENTER ONLINE BANKING Personal Banking Business Banking Crypto About Vast Home Personal Banking Personal Credit Cards Personal Credit Cards Choosing the right personal credit card is easier than ever. Whether you’re looking to earn rewards for everyday purchases or need the flexibility of low interest rates to manage debt - we have a credit card that fits your lifestyle. A Credit Card for Everyone Visa® Platinum Card Enjoy the convenience of a non-rewards card while saving on interest and paying down your other credit card balances. LOW INTEREST RATE No annual fee Extended introductory offer. Introductory 0.00% APR for the first 15 billing cycles on purchases and balance transfers.7 Save on interest and pay down your other credit card balances faster. LEARN MORE & APPLY Visa® Signature Real Rewards Card Earn 1.5 points monthly for every dollar you spend on eligible net purchases.5 There is no cap or limit on points. PREMIUM REWARDS No annual fee Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).5 Reward bonus - $25 value awarded after first purchase3 No caps or limits on the points you can earn4 Introductory 0.00% APR for the first 6 billing cycles on purchases and balance transfers.7 Zero fraud liability LEARN MORE & APPLY Secured Visa® Card If you need to improve or re-establish your credit history, the Secured Visa Card is a great way to begin that process.8 CREDIT BUILDER $35 annual fee Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. Use of the Secured Visa Card can help build your credit when the minimum payment is made by the due date, each month. Zero fraud liability LEARN MORE & APPLY Cash Rewards American Express® For those who want cash back, this chip-enhanced Card rewards you more for purchases made on gas and at supermarkets. CASH BACK No annual fee Earn up to 3% cash back1 at gas stations.2,4 Also, earn up to 2% cash back at supermarkets and 1% on all other eligible net purchases.2 Reward bonus - $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.3 LEARN MORE & APPLY Premier Rewards American Express® Earn rich rewards and get superior travel and lifestyle benefits with this chip-enhanced Card. PREMIUM REWARDS $0 introductory annual fee for the first year. After that, just $99 per year. Earn up to 4x on eligible net purchases, 4x on restaurant purchases, 3x on airline purchases, 2x on gas purchases, and 1x on all other eligible net purchases.6 No caps or limits on the number of points you can earn, and you have 5 years to redeem them. Zero fraud liability No foreign transaction fees LEARN MORE & APPLY Visa® Signature College Real Rewards Card The Visa Signature College Real Rewards Card offers an excellent opportunity for someone starting a credit history. Credit Builder Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back).5 Reward bonus - $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.3 Zero fraud liability LEARN MORE & APPLY Every card comes well equipped. EMV Smart Chip Technology 24/7 Online Account Access Fraud Monitoring & Protection Auto Pay Have a question? Call us. 918-495-1700 Click here to find a bank branch or ATM 1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles. 2 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 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 eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on 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 any of the following merchant category codes: automated fuel dispensers 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 dispenser 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. 3 2,500 bonus rewards points awarded after first purchase, redeemable for $25 cash back, merchandise, gift cards or travel savings. First purchase bonus points will be applied 6 to 8 weeks after first purchase 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. 4 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 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). 5 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. 6 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. 7 The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. 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 and issuer 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. 8 Late payments and going over the credit limit may damage your credit history. Copyright© 2021 Vast Bank, N.A. All rights reserved. NOTICE: Vast Bank, N.A. is not responsible for and has no control over the content of the web sites that have links here. Please contact us with any concerns or comments. Disclosures