How to Apply for the Elk River Cash Rewards American Express Credit Card

If you do a lot of grocery shopping or spend a lot of money on gas, the Elk River Bank Cash Rewards American Express rewards program could be extremely beneficial to you. On everyday purchases you will receive one reward point for every dollar spent, for purchases made at supermarkets you will receive 2 reward points per dollar spent, and purchasing gas will earn you 3 reward points per dollar spent. Added benefits include rental car insurance, extended warranty coverage, merchandise return protection, and more, all without paying an annual fee. Annual Percentage Rate can go up to 23.24% depending on your credit score, so make sure to look into yours before applying for this card (APR is subject to change).

Please read this privacy pledge before continuing. It will clarify any questions or concerns you may have regarding how Elan Financial Services plans on using your personal and financial information to handle your Bank of Elk River Cash Rewards American Express Card.


In order to successfully apply you must:

  • Be at least eighteen (18) years of age
  • Have a valid US SSN
  • Have a valid US street address

How to Apply

Step 1- You will need to start at the Bank of Elk River’s Personal Credit Card page found here. From there scroll down to the card description where you will click on the link Learn More or Apply Now!. 


Step 2- Clicking the link above might create a pop up stating you will be navigated to an external link, it is safe to click OK. It will bring you to the EFS page where all the Bank of Elk River Credit Cards are listed. Find Cash Rewards American Express Card and click on Apply Now below that. cash-rewards-american-express-apply1Step 3- You will need to submit the following information:

  • Full name
  • Date of birth
  • SSN
  • Country of citizenship
  • Country of permanent residence
  • Phone number (s)
  • Email address


Step 4- The next information required will be on housing. Here they require your full address and how long you have resided there, along with information on renting/owning and how much you pay per month.


Step 5- Now enter your income and employment information in this order:

  • Employment status
  • Employer
  • Occupation
  • Annual income
  • Other income (yes/no)
  • Which accounts are held with The Bank of Elk River


Step 6- Answer yes or no to the questions posed at this juncture.


Step 7- Before completing the application you will have to accept the Terms and Conditions before clicking SubmitRead them thoroughly before doing so.


The application for the Cash Rewards American Express is complete. Hopefully we helped make the process a little easier and faster for you.