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
You'll pay no Foreign Transaction Fees and no Cash Advance Fees with this card, helping you save money. The card also comes 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 6 billing cycles on purchases* and balance transfers.
After that, a variable APR, currently 9.24% to 22.24%.* See Terms and Conditions for complete details.
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. 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.
1Elan 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 of MasterCard International Incorporated. American Express is a federally registered service mark of American Express.