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!

Keeping your accounts safe and secure is always a top priority so each card option includes smart chip technology for added security.

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

Young woman using laptop and holding credit card

  • 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!

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*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.

Current Credit Card Account Holders

If you are a current credit card customer, you can log in to view current balances, pay your bill, set up auto pay or sign up for email or text message account alerts.

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Mobile Wallet
Safely and Securely Use Your NBT Bank Card With Your Mobile Wallet.

Personal Loan Options
Take a step toward completing your goal.