How to Apply for the Bank of Edwardsville College Rewards Visa Card

For college students with no credit history, the Bank of Edwardsville College Rewards Visa Card is a pretty good card with which to start building your credit. Successful applicants receive a standard rewards program of 1 reward point per dollar spent, giving anyone new to the world of credit cards an opportunity to acclimate themselves to using a rewards program, with no annual fee. The APR for this credit card is assigned based on your creditworthiness and ranges from 12.24% to 23.24% (APR is subject to change). Therefore, if your application is accepted, you will need to pay special attention to your assigned interest rate to avoid accumulating unnecessary interest. ​ If you would like to apply for the Bank of Edwardsville College Rewards Visa Card, scroll down to follow our step-by-step guide.

Elan Financial Services (EFS) issues these cards on behalf of the Bank of Edwardsville, so it would be prudent to look over their privacy policy before continuing.


Applicants must meet the following requirements:

  • You must be 18 years of age
  • You must be a US citizen
  • You must have a valid SSN

How to Apply

Step 1 – To start, navigate to the Bank of Edwardsville credit card page. Once you’re there, scroll down to College Rewards Visa Card and click the red Apply Now link.

Step 2  Once on the application form, begin filling it out by providing the following Personal Information:

  • First name
  • Last name
  • Date of birth
  • SSN
  • Country of citizenship
  • Country of permanent residence
  • Primary phone number
  • Mobile phone number
  • Email address

Step 3 Next, input the following Housing Information into the indicated fields:

  • Street address
  • City
  • State
  • ZIP code
  • Time at address
  • Housing status
  • Monthly payment
  • Alternate mailing address (if applicable)

Step 4 – After completing the housing information section, supply all of the Income and Employment Information listed below.

  • Employment status
  • Employer
  • Occupation
  • Annual income
  • Other income

Next, you are asked to indicate any accounts and services that you have with the Bank ​of Edwardsville by selecting Yes beside the applicable options.

Step 5 – At this juncture, select Yes or No indicate whether you would like to perform a balance transfer and if you would, provide the requested information. Then, supply your Type of School and Expected Graduation Date where indicated before continuing to the final step.

Step 6 – Finally, read through the terms and conditions for this card. If you accept the terms and wish to proceed, check the little box below the disclaimer and click Submit to complete the application process.
Your application is complete! You should receive a response from EFS within one business week. We wish you good luck with the result and thank you for visiting Card Reviews.