Cash Back Rewards
For those who want cash back, this chip-enhanced Card rewards you more for purchases made on gas and at supermarkets
No Annual Fee
1 Rewards points: You will earn 1 reward point (“point”) for each dollar of net purchases (purchases minus credits and returns) charged to your account during each billing cycle. You will also earn 1 additional point (for a total of 2 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in the merchant category code of supermarkets. The number of additional points earned on supermarket purchases is unlimited. In addition, you will earn 2 additional points (for a total of 3 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12 month period commencing on the anniversary date of this account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12 month period) will earn at a rate of 1 point for each dollar of net purchases charged to your account during each billing cycle. Merchants are assigned category codes by American Express based on what they primarily sell. A purchase will not earn additional points if the merchant’s code is not in an eligible category. We do not determine the category codes that merchants are assigned, but we do reserve the right to determine which purchases qualify for additional points. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to make the purchase. The number of points that may accumulate in any monthly billing cycle for your account is unlimited.
2 Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.
3 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.