How to Apply for the First State Bank Cash Rewards American Express Card

Cash back rewards cards are a convenient way to earn tangible rewards when making credit card purchases, because with these cards a percentage of every purchase can be redeemed as either a statement credit or a savings account deposit. If this type of rewards program interests you, the First State Bank Cash Rewards American Express Card is an option that shouldn’t be overlooked, especially for anyone that lives in the Macomb County area. This credit card has no annual fee and a reasonable APR which is assigned based on your credit score going into the application. Whenever you make purchases on this credit card, you will earn 3% cash back on gasoline purchases (on the first $6,000 spent each year), 2% cash back on supermarket purchases, and 1% cash back on everything else. To further incentivize for you to apply for this card, the card-issuer offers a 0% APR on purchases and balance transfers for your first 6 billing cycles and will award you a $25 cash back bonus after you make your first purchase. We have provided a guide below on how to submit an online application for all interested parties. Scroll down if you’d like to learn how to apply for the First State Bank Cash Rewards American Express Card.

Before you continue, we recommend that you consult the Elan Financial Services (EFS) privacy policy to learn how they might share any information that you submit to them (EFS is the card-issuer).


Applicants must meet the following requirements in order to be eligible for this credit card:

  • Be of at least 18 years of age
  • Have a valid US mailing address
  • Have a valid SSN

How to Apply

Step 1 – Navigate to the First State Bank credit card webpage and click the Apply Now link.

A new window will open. Click OK to get to the next step.

Step 2 – Click Apply Now beneath the Cash Rewards American Express Card option.

Step 3  The first section of the application form asks you to supply the following Personal Information:

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

Step 4 – The next section requires you to submit all of the following pieces of information:

  • Complete address
  • Time at address
  • Housing status
  • Monthly payment
  • Alternate mailing address (if applicable)

Step 5 – In the Income and Employment Information section, you will need to provide all of the information listed below.

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

Next, click Yes beside any banking accounts or services that you may currently have with First State Bank.

Step 6 – In this step, you are given a few options that you may wish to employ. Click Yes next to each of the following options that interest you and provide the requested information:

  • Perform a balance transfer
  • Add a joint applicant
  • Add an authorized user

Step 7 –  At this juncture, you are given the opportunity to review the terms and conditions for this credit card before submitting your application. If you agree to these terms, click the box marked I accept the Terms and Conditions before clicking the Submit button to complete the application process.

Congratulations, your application for the First State Bank Cash Rewards American Express Card has been submitted for review by EFS! Now you can sit back and wait for a response regarding your application status. We hope that you have found this guide to be easy to follow and we thank you for visiting Card Reviews.