Byline Bank Credit Cards


Updated: September 12, 2018

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It is definitely hard for Byline Bank to compete with larger competitors (like Bank of America), but it has some lucrative credit cards on offer. One also has to note that you can manage your credit card account online, right on the website of this bank. Also, you can apply for a credit card from Byline Bank through the web, which is also very convenient for many customers.

Best Credit Cards from Byline Bank

If you already have a bank account with Byline Bank, you might consider applying for one of the cards reviewed below. We have selected a number of the top-notch credit cards from this bank here. Keep in mind that the creditor and issuer of the Byline credit cards is Elan Financial Services.


Visa Business Cash Credit Card

Annual fee: $0.

Purchase APR: from 15.74% to 24.74%.

Recommended credit score: from 650 to 850.

Most suitable for: rewards maximizers.

Credit card features:

Apply Here

 

This is a decent credit card from Byline Bank, which is designed for reward maximizers in the first place. And even though the bonuses and benefits of this credit card seem to be quite decent, they look somewhat bleaker in comparison with, for example, Wells Fargo Cash Wise or Chase Freedom credit cards.

But let’s look into the benefits of this Byline credit card in detail, and let’s start with cash back rewards. Cash back rewards vary from 1% up to 3%: you will get 3% of cash back on purchases made at office supplies stores and for purchasing cellular phone, internet, landline and cable TV services. For paying at restaurants and gas stations, you will get a 2% cash back rewards rate. You will also get 1% cash back rewards rate on all other purchases, which is relatively low. But as long as a share of your expenses on restaurants, gas purchases, office supply products, internet, phone, and TV services remains large, this credit card is well worth it.

A really great thing about this Byline credit card is that you are not limited in an amount cash back rewards you can get in a year. Also, you will enjoy a 0% intro APR period on purchases and balance transfers during the last 6 months, which is, however, somewhat lower than what other cards offer (like the ones pointed out above). All in all, this Byline card may be of a great value, but as long as you know how to maximize these rewards.


Cash Rewards American Express Credit Card

best cash back credit cards from Byline Bank

Annual fee: $0.

Purchase APR: from 15.74% to 24.74%.

Recommended credit score: from 650 to 850.

Most suitable for: customers with varied spending.

Credit card features:

Apply Here

 

This is just another credit card from Byline Bank that is centered around cash back rewards. In fact, there are very few differences (but these few are quite significant) between this credit card and the previous one, but let’s see how they differ in detail.

First of all, it is worth to point out that both of the credit cards have the equal cash back welcome bonus, which is, however, quite moderate (especially compared to the offers of other credit cards). At second, both cards have the same 6-month long 0% intro APR period on purchases and balance transfers. Additionally, there is also no limitation on the amount of rewards you can receive in a year.

In regards to the differences between the cards, it is primarily going about the different categories of high cash back rewards. With this credit card, you will receive 3% cash back rewards from gas purchases – this offer, however, is applicable to the first $6,000 spent on gas in a year. After that, it drops to the ordinary 1% cash back rewards rate. Also, you will enjoy a 2% cash back on all purchases made at supermarkets, which is quite beneficial for shopping at groceries. Cash back rewards on all other purchases are equal to 1%, which is rather a meager reward.

All in all, this credit card from Byline Bank would be perfectly suitable for anyone who spends a lot on gas purchases and at groceries. In regards to all other purposes (travel spending or balance transfers), there are far better credit cards (you can find them here or here).


Premier Rewards American Express Credit Card

best travel credit cards from Byline Bank

Annual fee: $0 during the first year, $99 the next years.

Purchase APR: from 15.74% to 24.74%.

Recommended credit score: from 650 to 850.

Most suitable for: customers who want to maximize the rewards from dining and travels, avid travelers.

Credit card features:

Apply Here

 

This is definitely one of the top-tier credit cards from Byline Bank, and it is perfectly suitable for avid travelers. The reason for that are ample cash back rewards for travel-related purchases (though cash back rewards for hotel-related purchases are only 1%) and a 0% foreign transaction fee. But considering that this is one of the Byline credit cards, it shouldn’t be surprising that it comes with an annual fee of $99 (which, however, can be waived in the first year).

When it comes to the benefits of this credit card, one should describe cash back rewards for purchases. You can maximize your rewards by spending a lot at restaurants (4% cash back rewards rate), for airline purchases (3%), and gas (2%). All other purchases will also result in bringing cash back rewards, but only of a modest 1%. There is no limitation or cap on the maximum amount of rewards so far. You will also get a 100% welcome bonus if you manage to spend $1,000 during the first 90 days (though, that bonus is far more generous if you get a credit card from Wells Fargo or Chase Bank).

Eventually, it is worth to mention that this AmEx credit card comes with a number of features all other AmEx cards have – zero liability protection in particular. But apart from it, you will also be able to enjoy worldwide travel inconvenience insurance (you will be reimbursed if a baggage delay, damaged baggage, or trip interruption/cancellation takes place) and luxury hotel program (up to 20% discounts). There is also a number of other features, including extended warranty, rental car insurance, premium concierge, return protection, and entertainment access.

All in all, this credit card from Byline Bank tends to be one of the best options for travelers. And even though you will have to pay $99 per year for the second and next years, this fee can be quickly paid off if you tend to travel a lot. Additionally, an absence of foreign transaction fees makes this card, indeed, ideal for traveling.


How to Log In To Byline Credit Card Account

If you already have a credit card from Byline Bank, you can access it anytime through the bank’s website. Indeed, this makes the use of the card far more convenient, as you are able to get a credit card statement or make a payment in a matter of minutes. But before you will be able to do that, you will have to enroll in the online banking program of this bank (learn how to do it here).

Access your credit card from Byline Bank step by step:

how to access byline credit card online

  • On the website of this bank, you will notice the red “LOG IN” button, placed in the right-upper corner. You should give a click to that button.

byline credit card account on the web

  • Following it, you will get to see the online banking form you have to use for logging in. At first, you have to type your username in the first field.
  • Right after that, enter your password in the second field.

use byline bank credit card online

  • Immediately after doing so, you should click on the “LOG IN” button and access your Byline credit card account.

How to Apply for a Byline Credit Card

If you have made up your mind regarding which Byline card you wish to get, you are able to apply for it online. As you will see in this section of our article, the application process occurs on a third-party website, but you start it on the Byline Bank’s website anyway. But if you follow our guidelines (provided in this section), you will surely manage to apply for a credit card from Byline Bank in a matter of minutes.

This is how you can apply for a credit card from Byline Bank:

how to apply for a credit card from byline bank

  • On the webpage of the Byline Bank, you will notice a menu placed at the top. At that point, you have to click on “Personal.”
  • Then, scroll down a little bit and click on the “Credit Cards” section.

byline bank online application

  • Now, you will get to see a list of different credit cards from Byline Bank – you need to click on the “Apply Now” button, which is placed next to the suitable for you credit card.

where to get byline credit card

  • You will get to see a pop-up window, and you need to click on the “Continue” button in order to proceed further.

best types of byline credit cards

  • Now, you have been redirected to a third party website, and that’s the place where you can apply for any Byline credit card. Find a credit card that you wanted to apply for and click on the “Apply Now” text button under it.

byline bank online application for credit cards

  • Following it, you will be redirected to the page with an application form – fill out all the required fields in that application form.

credit card delivery from byline bank

  • Once you have provided all necessary information in the application form, scroll down, check the box next to “I accept the Terms and Conditions,” and click on the “Submit” button.

credit card application process with byline bank

  • You have just sent an application for a selected credit card. You will be replied (whether you were approved or rejected for a credit card) in short.
Byline Bank Credit Cards
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