Cash Back Rewards
For those who want cash back, this chip-enhanced Card rewards you more for purchases made on gas and at supermarkets
EARN UP TO 3% CASH BACK
Enjoy chip-enhanced acceptance and security, plus a variety of important features including zero fraud liability4, rental car insurance, extended warranty coverage, and merchandise return protection. Plus, get access to popular events before the general public, from American Express. See Consumer Card Features and Benefits for a complete listing of all card benefits. This Card is issued and administered by Elan Financial Services.
Introductory 0.00% APR for the first 6 billing cycles on purchases. * and balance transfers.
After that, a variable APR, currently 15.49% to 24.49%.* See the 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, 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 Rewards points: You will earn 1 reward point ("Point") for each dollar of eligible net purchases charged to your account during each billing cycle. Net purchases are purchases minus credits and returns. 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 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. Points expire five years from the end of the quarter in which they are earned. 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, program misuse, failure to pay, bankruptcy, or death.) Points will be awarded to the primary cardmember and may not be redeemed by an authorized cardmember on the Account.
3 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only 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. Monthly net purchase bonus points will be applied each billing cycle. Net purchases are purchases minus credits and returns.
4 Elan Financial Services provides Zero Fraud Liability for authorized 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.