Credit Cards

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What are you looking for in a credit card?

Whether you’re looking for cash back, reward points, or extended introductory APR, we have the right card for you.

creditCards
Visa® Platinum Card

Extended Intro Rate - Visa® Platinum Card

 

Perfect for paying down high balances on other cards or making
significant purchases.

 

Key account features:

  • Extended introductory offer
  • Save on interest and pay down your other credit card balances faster
Visa Bonus Rewards Card

Bonus Rewards - Visa Bonus Rewards Card

 

Every dollar you spend will get you closer to merchandise, gift cards, or travel discounts.

 

Key account features:

  • Earn 1 point for every $1 you spend on eligible net purchases, and receive automatic bonus points each month
  • $25 cash back after your first purchase1
Visa Bonus Rewards PLUS Card

Extra Bonus Rewards - Visa Bonus Rewards PLUS Card

 

Get even more points than our standard Bonus Rewards card.

 

Key account features:

  • Earn 1 point for every $1 you spend on eligible net purchases, and receive even more automatic bonus points each month.
  • $50 cash back after your first purchase - all with a low annual fee1

Low annual fee

 

Cash Rewards American Express® Card

Cash Back - Cash Rewards American Express® Card

 

Earn 1% back on all purchases—and even more for necessities like groceries and gasoline.

 

Key account features:

  • Earn up to 3% cash back on gas
  • Also earn up to 2% cash back at supermarkets and 1% on all other purchases
  • $25 cash back after your first purchase1
Travel Rewards American Express Card

Travel - Travel Rewards American Express Card

 

Earn 1% back on all purchases - even more on airlines, restaurants and hotels.

 

Key account features:

  • 3X reward earnings on airline purchases, 2X reward earnings on restaurant and hotel purchases
  • $75 cash back after your first purchase - all with a low annual fee1

Low annual fee

 

Visa College Rewards Card

Improve your financial picture - Visa College Rewards Card

 

A smart way to responsibly establish credit worthiness—all while earning rewards.2

 

Key account features:

  • Great rates and manageable credit lines
  • Earn 1 point for every $1 you spend on eligible net purchases

Accessing Your Account

Access Your Personal Credit Card Account Information

1Reward points 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 - 8 weeks after first purchase and are not awarded for balance transfers or cash advances

2Late payments and going over the credit limit may damage your credit history

Fair Lending Statement


The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a registered trademark of MasterCard International Incorporated. American Express is a federally registered service mark of American Express

 

Which card is right for you?

Whether you're looking for cash back, travel rewards, awards points, or extended introductory APR, Flagstar Bank has the Visa® or American Express® card to fit your needs.

 

creditCards

 

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Accessing Your Account

Access Your Personal Credit Card Account Information

1The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) 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 points)

2The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases (purchases minus credits and returns) plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.5 points)

Fair Lending Statement


The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., MasterCard International Incorporated, and American Express. MasterCard is a  registered trademark of MasterCard Incorporated. American Express is a federally registered service mark of American Express