Credit Cards

Rewards? Cash back? Low interest rate? Whatever you need, we have a credit card to suit your lifestyle.

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  • All Cards
  • Earn Rewards
  • Cash Back
  • Rebuild Credit

Visa Bonus REWARDS

Visa Bonus Rewards
  • Earn 1 point for every eligible net $1 you spend on eligible net purchases1
  • Get a 25% bonus on all points earned every month1
  • No caps or limits on the points you can earn1
  • $25 cash back after your first purchase2

Visa Bonus Rewards Plus

Visa Bonus Rewards Plus
  • Earn 1 point for every eligible net $1 you spend on eligible purchases1
  • Get a 50% bonus on all points earned every month1
  • No caps or limits on the points you can earn1
  • $50 cash back after your first purchase2

Cash Rewards American Express

Cash Rewards American Express
  • 3% cash back on gas purchases
  • 2% cash back on supermarket net purchases
  • 1% cash back on other everyday eligible net purchases
  • $25 cash back bonus after first purchase2

Travel Rewards American Express

Travel Rewards American Express
  • 3 points per $1 spent on airline purchases3
  • 2 points for every $1 spent on hotel and restaurant purchases3
  • 1 point per $1 spent on other everyday eligible net purchases3
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards3
  • $75 cash back bonus after first purchase2

Visa Platinum

Visa Platinum
  • Enjoy an extended introductory rate while saving on interest and paying down your other credit card balances faster

Secured Visa

Secured Visa
  • A great way to begin the process of improving or re-establishing your credit
  • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account4

Visa Bonus REWARDS

Visa Bonus Rewards
  • Earn 1 point for every eligible net $1 you spend on eligible net purchases1
  • Get a 25% bonus on all points earned every month1
  • No caps or limits on the points you can earn1
  • $25 cash back after your first purchase2

Visa Bonus Rewards Plus

Visa Bonus Rewards Plus
  • Earn 1 point for every eligible net $1 you spend on eligible purchases1
  • Get a 50% bonus on all points earned every month1
  • No caps or limits on the points you can earn1
  • $50 cash back after your first purchase2

Travel Rewards American Express

Travel Rewards American Express
  • 3 points per $1 spent on airline purchases3
  • 2 points for every $1 spent on hotel and restaurant purchases3
  • 1 point per $1 spent on other everyday eligible net purchases3
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards3
  • $75 cash back bonus after first purchase2

Cash Rewards American Express

Cash Rewards American Express
  • 3% cash back on gas purchases
  • 2% cash back on supermarket net purchases
  • 1% cash back on other everyday eligible net purchases
  • $25 cash back bonus after first purchase2

Secured Visa

Secured Visa
  • A great way to begin the process of improving or re-establishing your credit
  • Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account4
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Frequently Asked Questions

Got questions? We've got answers. And, if you don't find what you're looking for, call us at (800) 583-0709.

What credit score do I need to apply for a Bank of Albuquerque credit card?

We offer cards for people with all different credit scores. We even have a Secured Visa Card if you're looking to rebuild your credit.

Why do you need my personal information for my credit card application?

The law requires that we must obtain and verify information about everyone who opens an account. We also use your personal information to pull your credit bureau data, which we use with information like your income to determine if a card is right for you, and if so, what your credit limit will be.

Can I allow a family member or friend to use my credit card account?

Yes. If you'd like to add an authorized user, we'd be happy to help with that, and will send you a second card for their use.

What You Need To Know

1The Elan Rewards Program is subject to change. Points 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. Points expire five years from the end of the quarter in which they are earned. Bonus Rewards: The 25% more in bonus rewards consists of 1 Reward Point for each dollar of eligible Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25%). Bonus Rewards Plus: The 50% more in bonus rewards consists of 1 Reward Point for each dollar of eligible Net Purchases plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.50%). Monthly net purchase bonus points will be applied each billing cycle.

2After your first credit card eligible net purchase (purchases minus credits and returns), you’ll earn bonus points which can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

3Travel Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of Net Purchases (purchases minus credits and returns) 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 merchant locations that are classified in any of the following merchant category codes: hotels and restaurants. 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 code of airlines. Points expire five years from the end of the quarter in which they are earned.

4Late payments and going over the credit limit may damage your credit history.

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.