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Credit Cards

More rewards, Not more rules

Earn automatic bonus points on every purchase, every month. Find the card that’s right for you!

Visa Bonus Rewards Card

25% bonus every month

  • Earn 1 point for every net $1 you spend.1
  • Get a 25% bonus on all points earned every month, automatically (that’s the equivalent of getting 1.25 points for every net $1 in spend).
  • No caps or limits on the points you can earn, plus you have at least five years to redeem for rewards.1
  • $25 cash back with your first purchase.2
  • 0%3 introductory APR for the first 6 billing cycles on purchases and balance transfers. After that, a variable APR, currently 9.99%-20.99%.3
  • No annual fee.3


Visa Bonus Rewards PLUS Card

50% bonus every month

  • Earn 1 point for every net $1 you spend.1
  • Get a 50% bonus on all points earned every month, automatically (that’s the equivalent of getting 1.50 points for every net $1 spend).
  • No caps or limits on the points you can earn, plus you have at least five years to redeem for rewards.1
  • $50 cash back with your first purchase.2
  • 0%3 introductory APR for the first 6 billing cycles on purchases and balance transfers. After that, a variable APR, currently 9.99%-20.99%.3
  • $50 annual fee.3


Visa Platinum Card

Enjoy a low intro APR for even longer

  • Pay down your other credit card balances faster.
  • Save on interest.
  • 0%3 introductory APR for the first 12 billing cycles on purchases and balance transfers. After that, a variable APR, currently 9.99%-20.99%.3
  • Enjoy the everyday conveniences of a non-rewards card.
  • No annual fee.3


Visa College Rewards Credit Card

Earn rewards on everyday purchases.

As you build your credit score, you can also earn points – redeemable for a wide variety of great rewards.

  • No Annual Fee5
  • Earn 1 reward point for every net $1 you spend.6
  • Receive 1,000 bonus reward points with you first purchase.7
  • Choose your rewards and have at least 5 years to redeem your points:6
    • Cash back.7
    • Merchandise including music, movies, books, electronics and more! Available for as low as 1,800 points.
    • Gift cards from your favorite retailers and restaurants.
    • You can even redeem points for travel.


1 The Elan Rewards Program is subject to change. Points earned on net purchases (purchases minus credits and returns). Points expire five years from the end of the quarter in which they are earned.

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. Monthly net purchase bonus points will be applied each billing cycle.

3 Visa Bonus Rewards and Visa Bonus Rewards PLUS: The 0% introductory APR applies to purchases and balance transfers and is valid for the first 6 billing cycles. Visa Platinum: The 0% introductory APR applies to purchases and balance transfers and is valid for the first 12 billing cycles. Visa Bonus Rewards and Visa Bonus Rewards PLUS and Visa Platinum: The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 12-08-12, the undiscounted variable APR for Purchases and Balance Transfers is 9.99%-20.99% (based on your creditworthiness). The variable APR for cash advances is 23.99%. Cash advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum, Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee of 3% of each transfer amount, $5 minimum. There is a $2 minimum finance charge where interest is due. The annual fee is $0 for Visa Bonus Rewards and Visa Platinum, and $50 for Visa Bonus Rewards PLUS. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. 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.

The Creditor, issuer and service provider of your credit card is Elan Financial Services, pursuant to a license from Visa U.S.A Inc.

4 Elan financial Services provides zero fraud liability for unauthorized transaction. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

5 The APR may vary and as of 12-08-12, the variable APR for Purchases and Balance Transfers is 11.99%-20.99% (based on your creditworthiness). The variable APR for Cash Advances is 23.99%. Cash Advance fee:4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee of 3% of each transfer amount, $5 minimum. There is a $2 minimum finance charge where interest is due. The annual fee is $0. Foreign Transaction fee 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. 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 card member’s agreement and applicable law.

The creditor, issuer and service provider of your credit card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

6 The Elan Rewards Program is subject to change. Points earned on net purchases (purchases minus credits and returns). Points expire five years from the quarter in which they are earned. Cardmemebers can earn a maximum of 30,000 points per year.

7 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. Bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.