You pay for things; we pay you back—with rewards and benefits.
1.5x Unlimited Rewards
Earn 1.5 points monthly for every dollar you spend on eligible net purchases.1 There is no cap or limit on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers.
- Earn 1.5 points for every eligible net $1 you spend1
- No caps or limits on the points you can earn, plus you have five years to redeem points for rewards2
- 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings
- Zero Fraud Liability4
Enjoy chip-enhanced acceptance and security plus a variety of important features, including zero fraud liability4 and auto rental collision damage waiver. See Consumer Card Features and Benefits for a complete listing of all card benefits.
Introductory 0.00% APR for the first 6 billing cycles on purchases* and balance transfers.
After that, a variable APR, currently 16.24% to 25.24%.* See the Terms and Conditions for complete details.
No Annual Fee
Applicant must be 18 years of age and have a U.S. address and Social Security number.
*The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.
We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1 You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back).
2 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
3 Rewards points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Monthly net purchase bonus points will be applied each billing cycle.
4 Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
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.