Consumer Credit Cards

Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

Learn More

Which Card is Right for You?


*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Cardmember Access

Ask an Expert

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Jason Kaufman

Vice President, Branch Manager

Send E-mail
805 730 7869
NMLSR: #1038283
Location: Santa Barbara

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Katie Stewart

Assistant Vice President, Branch Manager

Send E-mail
805 335 8117
NMLSR: #1166460
Location: Montecito

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Lisa French

Assistant Vice President, Branch Manager

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805 770 1309
Location: Goleta

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Dustin Reese

Vice President, Branch Manager

Send E-mail
805 540 6243
NMLSR: #1097395
Location: San Luis Obispo

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Heidi Cummings

Vice President, Branch Manager

Send E-mail
805 296 1771
NMLSR: #1038237
Location: Paso Robles

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American Riviera Reserve Line

Guard against negative checking account balances, returned checks and fees.

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Personal Line of Credit

Borrow a little or a lot, as you need it.

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Debit Card

Start using your card the same day you open your account with our instant-issue debit card.