Personal credit cards

Name your bonus. Webster offers six credit cards, each with its own benefits. You can choose between Visa® and American Express®. Just review your options below, pick the card that most appeals to you and apply online.

Compare your options

Visa® Platinum

Pay down balances

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non rewards
Details Apply

Visa® Real Rewards

Earn rewards points

  • Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards2,4
  • 2,500 bonus rewards points awarded after first purchase3
Details Apply

Visa® College Real Rewards

The card for students

  • Earn 1.5 points monthly for every dollar you spend on eligible net purchases5
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards2,4
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings
Details Apply

Visa® Secured Card

Build or rebuild your credit

  • Excellent way to start building credit history
  • Perfect for improving or re-establishing current credit status8
  • Enjoy the convenience of credit
  • Option to carry a balance
  • Earn interest on your secured savings account
Details Apply

Cash Rewards American Express®

Earn money back

  • 3% cash back1 on the first $6,000 in eligible net purchases made each year at gas stations2,4
  • 2% cash back on eligible supermarket net purchases
  • 1% cash back on all other eligible net purchases 
  • $25 cash back awarded after first purchase3
Details Apply

Premier Rewards American Express®

Earn points on purchases

  • Earn 4 points for every $1 spent on eligible net restaurant purchases6
  • Earn 3 points for every $1 spent on eligible net airline purchases
  • Earn 2 points for every $1 spent on eligible net gas purchases
  • Earn 1 point for every $1 spent on all other eligible net purchases
  • Plus, earn 10,000 one-time bonus rewards after you spend $1,000 in the first 3 months3
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards4
  • Reimbursement for either Global Entry or TSA Pre-Check7
Details Apply

Please note

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Disclosures

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.

All loans and lines of credit are subject to credit approval.

1Reward 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.

2Cash 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.

3Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.

4The 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 card member 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).

5Real 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.

6Premier 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 that 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.

7Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.

8Late payments and going over the credit limit may damage your credit history.