Credit Cards

Rewards? Cash back? Low interest rate? Whatever you need, we have a credit card to suit your lifestyle.

Apply Online
Already a client?
  • All Cards
  • Earn Rewards
  • Get Cash Back
  • Save Money
  • Build Credit

Visa Business Cash Preferred

Visa
  • 3% Cash back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases.1,2
  • $100 Annual software credit after 11 consecutive monthly software transactions.3
  • 1% Unlimited cash back on all other eligible purchases.
  • $25 Cash back awarded after first purchase.4
  • Redeem for a statement credit, rewards card or deposit to a qualifying account.

Visa Business Real Rewards

Visa
  • Earn 1.5 points monthly for every $1 you spend on eligible 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 rewards.
  • $25 Awarded after first purchase4 — that’s 2,500 bonus rewards points.
  • Redeem for Merchandise, Gift Cards, Travel or Cash Back6

Visa Smart Business Rewards

Visa
  • 2X points per $1 spent in top two spend categories each month — automatically.2,7
  • 1X points monthly per $1 spent on other eligible purchases.
  • Redeem for Merchandise, Gift Cards, Travel or Cash Back.6
  • Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening — a $200 value.8

Visa Business Platinum

Visa
  • 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.
  • Easily manage employee spending with employee cards.
  • Non-Rewards

Visa Community

Visa
  • Designed for non-profits and municipalities
  • Optional free rewards program (earn 1 point for every $1 you spend on eligible net purchases.)
  • Free online management reports
  • Dedicated servicing group
  • No personal guarantee

Visa Signature Company

Visa
  • Designed for medium to large corporations with at least $5,000,000 in net annual sales
  • Dedicated account manager
  • Optional free rewards program (earn 1 point for every $1 you spend on eligible net purchases.)
  • Free online management reports
  • Generous credit line

Visa Business Cash Preferred

Visa
  • 3% Cash back on eligible purchases at gas stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases.1,2
  • $100 Annual software credit after 11 consecutive monthly software transactions.3
  • 1% Unlimited cash back on all other eligible purchases.
  • $25 Cash back awarded after first purchase.4
  • Redeem for a statement credit, rewards card or deposit to a qualifying account.

Visa Business Real Rewards

Visa
  • Earn 1.5 points monthly for every $1 you spend on eligible 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 rewards.
  • $25 Awarded after first purchase4 — that’s 2,500 bonus rewards points.
  • Redeem for Merchandise, Gift Cards, Travel or Cash Back6

Visa Smart Business Rewards

Visa
  • 2X points per $1 spent in top two spend categories each month — automatically.2,7
  • 1X points monthly per $1 spent on other eligible purchases.
  • Redeem for Merchandise, Gift Cards, Travel or Cash Back.6
  • Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening — a $200 value.8

Visa Business Platinum

Visa
  • 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.
  • Easily manage employee spending with employee cards.
  • Non-Rewards

Visa Community

Visa
  • Designed for non-profits and municipalities
  • Optional free rewards program (earn 1 point for every $1 you spend on eligible net purchases.)
  • Free online management reports
  • Dedicated servicing group
  • No personal guarantee

Visa Signature Company

Visa
  • Designed for medium to large corporations with at least $5,000,000 in net annual sales
  • Dedicated account manager
  • Optional free rewards program (earn 1 point for every $1 you spend on eligible net purchases.)
  • Free online management reports
  • Generous credit line

Frequently Asked Questions

Got questions? We've got answers. And, if you don't find what you're looking for, call us at 844-517-3308.

What credit score do I need to apply for a BOK Financial credit card?

We offer cards for people with all different credit scores. We even have a Secured Visa Card if you're looking to rebuild your credit.

Why do you need my personal information for my credit card application?

The law requires that we must obtain and verify information about everyone who opens an account. We also use your personal information to pull your credit bureau data, which we use with information like your income to determine if a card is right for you, and if so, what your credit limit will be.

Can I allow a family member or friend to use my credit card account?

Yes. If you'd like to add an authorized user, we'd be happy to help with that, and will send you a second card for their use.

What You Need To Know

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 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).

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, 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.

4If 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.

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