More Rewards. Not More Rules.
Want to earn even more rewards? Get a 50% bonus on all points earned every month - automatically.1 There's nothing to sign up for and no caps or limits on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers.
50% BONUS EVERY MONTH
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 13.49% 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. 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 The 50% more in bonus rewards consists of 1 Reward Point for each dollar of eligible Net Purchases plus an additional 50% (0.50) in points awarded based upon the total points earned on eligible Net Purchases within a billing cycle (total 1.5 points).
2 The Elan Rewards Program is subject to change. Points expire five years from the end of the quarter in which they are earned.
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 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.