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Simple is Smart.

That's why MAX credit cards move past the flash and glamour to provide what you really want — convenience, low rates and easy to understand benefits. You want to expand your buying power, not complicate it. Let MAX help.

Earn Major Rewards.

With a MAX Smart Rewards Visa card, you'll enjoy one-for-one bonus points. For every $1 you spend, you'll earn a point. Plus, there's no annual point limit. You could even earn 20,000* bonus points by spending $3,000 in the first 90 days as a new cardholder. That's a lot of purchasing potential.

You decide what your points become. Choose between cash back, mileage, or merchandise. Whether you're in need of some extra pocket change, a world traveler or a tech junkie - your card has you covered. Enjoy MAX flexibility.

Apply Online

Disclosures and program rules

*For qualified borrowers. Certain restrictions apply. $3,000 in new purchases, balance transfers will not qualify towards $3,000 spend.

Enjoy Rewards That Fit Your Lifestyle.

You can do it all with Smart Rewards points. The options are endless.

Redeem Points for 1% Cash-Back on All Purchases
Flights, Cars, Hotels, Cruises, Vacations, Experiences, Build-Your-Own, Insurance, Double Points
 Personal, Electronics, Recreation, Home (Housewares), Music, Movies, Games

Visit the Smart Rewards Redemption Site

For customers without Internet Access, call the following numbers:

For Travel Rewards, call Montrose Travel at 800.900.6160
For Merchandise and Gift Cards, call 888.634.6318 and an order form will be mailed to the customer.
Cash Rewards can only be redeemed on the Smart Rewards redemption site.


How does your card compare? 

  • No annual fees

  • Paying late won't raise your APR

  • Earn one point for every dollar spent

  • Flexibility to redeem your points how you choose

  • 100% U.S. based customer service available

  • No cap on points earned

  • Block your account quickly for security

  • Points are good for five years


Transfer Balances

You have the card. Now let the savings begin.

Let MAX save you money! Transfer higher rate credit card balances to your MAX VISA® from credit cards with other financial institutions in your first 60 days after activation and take full advantage of 0% Introductory APR* for your transferred balances. Here's how:

  1. Call the myMAX Service Center at 800-776-6776 or visit any MAX branch to get started. Transfer as many balances as needed within your credit limit and pay no transfer fees.
  2. Keep making payments on your old credit cards until you receive a confirmation letter from MAX letting you know that your balances were successfully transferred.
  3. Once you receive confirmation, your balances have been transferred to your new MAX credit card and you can enjoy 6 months without interest! After your 6 month introductory period, any unpaid balances will accrue interest at your purchase rate.

*APR=Annual Percentage Rate. Introductory offer applies to balances transferred within 60 days of card activation. Total transferred balances cannot exceed your available line of credit. After introductory period, remaining transferred balances will accrue interest at your purchase APR. Please see your Card Agreement for additional terms.

Ready to Open an Account Online?

Become a part of MAX and know what it means to manage your money the smart and simple way. Open your account online, by phone, or at one of our convenient locations.

Begin Online Application  →