Personal credit cards

Webster offers six credit cards, each with its own benefits. Just review your options below, pick the card that most appeals to you and apply online.

Compare your options

Visa® Platinum

Pay down balances

  • Save on interest with a great low introductory rate for an extended time
  • Use for large purchases, unexpected expenses or last-minute necessities
  • Pay down your other high-rate credit card balances faster
  • Non-rewards

Visa Max Cash Preferred

Choose where you earn the most cash back

  • 5% cash back on first $2,000 of combined quarterly purchases in two categories like: TV, internet & streaming services, home utilities, cell phone providers and more1
  • 2% unlimited cash back on choice of one everyday category like gas stations & ground transportation, restaurants & food delivery and grocery stores & grocery delivery
  • 1% unlimited cash back on all other eligible purchases
  • Redeem cash back for a statement credit, rewards card, or a deposit to a qualifying account1
  • $150 bonus reward after you spend $500 in the first 90 days2

Visa® Everyday Rewards+

Unlimited points potential. Unrivaled reward options.

  • 4x unlimited points on dining, take-out & food delivery3
  • 2X unlimited points at grocery stores, grocery delivery, gas stations and streaming services
  • 1x unlimited points on all other eligible purchases
  • $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening4
  • Redeem points for travel, cash back and more

Visa® College Real Rewards

The card for students

  • Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back)7 and work towards building a stronger financial future6
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards7
  • 2,500 bonus rewards points awarded after first purchase, redeemable for $25 cash back, merchandise, gift cards or travel savings

Visa® Max Cash Secured

Build your credit and earn rewards

  • 5% cash back on first $2,000 of combined quarterly purchases in two categories like: TV, internet & streaming services, home utilities, cell phone providers and more5,6
  • 2% unlimited cash back on choice of one everyday category like gas stations & ground transportation, restaurants & food delivery and grocery stores & grocery delivery
  • 1% unlimited cash back on all other eligible purchases
  • Redeem cash back for a statement credit, rewards card, or a deposit to a qualifying account5

Visa® Secured Card

Build your credit

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history,6 here's a great way to begin that process
  • Enjoy the convenience of credit, including the option to carry a balance
  • Earn interest on the money in your secured savings account

Please note

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Disclosures

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 Rewards, and you will immediately lose all of your Rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Subject to credit approval.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. ©Elan Financial Services.

1 Max Cash Preferred Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.

2 If you’re approved for a new Max Cash Preferred Card, a one-time $150 bonus will be awarded for redemption after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

3 Everyday Rewards+ Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 3 additional Points for every dollar in eligible net purchases during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 1 additional Point for every dollar in eligible net purchases during each billing cycle at merchants classified as gas station, grocery store, supermarket or qualifying streaming subscription service. Refer to program rules for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Points expire five years from the end of the quarter in which they are earned.

4 If you’re approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points ($150 value) will be awarded after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

5 Max Cash Secured Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Rewards are earned on eligible net purchases. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.

6 Late payments or going over the credit limit may damage your credit history. Your credit limit will be equal to the amount of your security deposit.

7 College Real Rewards Card: 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. Reward points can be redeemed as a cash deposit to a checking or saving account with this Financial Institution only, within seven business days, or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchases 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.