More Rewards. Not More Rules. Get a 25% 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. This card has no annual fee and comes with access to expense management tools and added security benefits.
25% BONUS EVERY MONTH
Enjoy chip-enhanced acceptance and security, plus many valuable benefits and services including:
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. The rate will end early and increase to the APR for Purchases and Balance Transfers or to a Penalty Rate APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. We apply payments to balances with lower APRs, including promotional APRs, before balances with higher APRs. Balance transfer fees will apply.
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 25% more in bonus rewards consists of 1 Reward Point for each dollar of eligible Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on eligible Net Purchases within a billing cycle (total 1.25 points). Monthly net purchase bonus points will be applied each billing cycle.
2 The Elan Rewards Program is subject to change. Points are earned on eligible Net Purchases. Net purchases are purchases minus credits and returns. Certain transactions are not eligible to earn points, such as Advances, Balance Transfers, and Convenience Checks. Refer to your cardmember Agreement for more details. 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 within seven business days or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus points are awarded only on Authorized Officer purchases. Monthly net purchase bonus points will be applied each billing cycle. Net purchases are purchases minus credits and returns.
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.