At Howard Bank, we know that sometimes you need a little extra leeway to stay on course. We offer consumer credit cards from Visa® and American Express® made to fit your life, whether you’re looking to build your credit, earn rewards or manage your daily finances.

Already a cardholder? Get access to your existing account, or call 1-800-558-3424 to report a lost or stolen card.


We offer a range of credit cards for our customers, including:

  • Visa Platinum Card: This credit card offers a 0% annual percentage rate (APR) for the first 20 billing cycles. It’s an ideal choice if you want to save on interest while paying down your other credit card balances faster. All with no annual fee. 
  • Visa Signature® Real Rewards Card: This Visa card earns 1.5 points for every dollar you spend. You’ll also get 2500 bonus points, redeemable for $25 cashback, after your first purchase. All with no annual fee. 
  • Cash Rewards American Express Card: This American Express credit card is a great choice for people who want to earn cash rewards. The card gives you up to 3% back on gas, up to 2% back at supermarkets, and 1% on all other purchases.  You’ll also get 2500 bonus points, redeemable for $25 cashback, after your first purchase. All with no annual fee. 
  • Secured Visa Card: This card provides many benefits for people looking to establish or rebuild credit. If you’ve been turned down for a credit card in the past, this card offers flexible credit lines of up to $5,000 based on a security deposit. The card also has a low $35 annual fee.
  • Visa Signature College Real Rewards Card: Excellent opportunity for someone starting a credit history. Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cashback). Reward bonus - $25 value awarded after first purchase, redeemable as a cash deposit or a statement credit.
  • Premier Rewards American Express Card: Earn 4x points on restaurant purchases, 3x on airline purchases, 2x on gas station purchases, and 1x on all other eligible net purchases. $10,000 bonus rewards points after you spend $1,000 in the first 3 months (worth $100 cashback). $0 introductory Annual Fee for the first year.  After that, $99 Annual Fee.


Ready to open a credit card?

Call us at 410-750-0020  to ask a banking expert about which card is right for you.

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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, and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.