PAY DOWN BALANCES
- Pay down your other credit card balances faster with this non-rewards card
- Get a great low introductory rate for an extended time
Personal Credit Cards
Personal Credit Cards
Choosing the right credit card is easier than ever.
No matter which card you choose, you'll enjoy important features like:
- EMV smart chip technology for added security
- Mobile purchasing capability for added convenience
- Plus much more
FLEXIBLE CASH REWARDS
- 3% cash back1 on the first $6,000 in eligible net purchases made each year at gas stations2,4
- 2% cash back on eligible supermarket net purchases1
- 1% cash back on all other eligible net purchases1
- $25 cash back awarded after first purchase3
REWARDS TO USE THE WAY YOU WANT.4
- Earn 1.5 points monthly for every $1 you spend on eligible net purchases (equal to 1.5% cash back)5
- 2,500 bonus rewards points awarded after first purchase3
- NO limits on the number of points you can earn, and you have five years to redeem for rewards
REWARDS TO USE THE WAY YOU WANT.4
- Earn 4 points for every $1 spent on eligible net restaurant purchases6
- Earn 3 points for every $1 spent on eligible net airline purchases
- Earn 2 points for every $1 spent on eligible net gas purchases
- Earn 1 point for every $1 spent on all other eligible net purchases
BUILD YOUR CREDIT
Earn 1.5 points monthly for every dollar you spend on eligible net purchases.5 There’s no cap or limit on the points you can earn, plus you have five years to redeem points for rewards.4 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
BUILD YOUR CREDIT
Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history8, here's a great way to begin that process. Enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.
Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “CashBack” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible NetPurchases 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 eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. 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. Points expire five years from the end of the quarter in which they are earned
First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account
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 Card member Agreement for details. 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, due to Program misuse, failure to pay, bankruptcy, or death).
Real Rewards: You will earn 1.5 Reward Points(“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle(equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
Premier Rewards Card Points: You will earn 1 Reward Point(“Point”) for each dollar of eligible Net Purchases 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 merchants which categorize their business as a service station or automated fuel dispensers. 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 the merchant category code of airlines. You will earn 3 additional Points(for a total of 4 Points)for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new card members upon approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.
Late payments and going over the credit limit may damage your credit history.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.
All loans and lines of credit are subject to credit approval.
