Enjoy the simplicity of a non-rewards card with fewer fees and our lowest available APR for well-qualified applicants.
FEWER FEES AND LOWER APR
Consumer Credit cards also come with a variety of important features, including: extended warranty coverage, auto rental collision damage waiver coverage and zero fraud liability1. See Consumer Card Features and Benefits for a complete listing of all card benefits.
Introductory 0.00% APR for the first 14 billing cycles on purchases. * and balance transfers.
After that, a variable APR, currently 7.99% to 17.99%.* See 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 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.