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Rewards and Cash Back

Not sure if a rewards card or a cash back card is the best choice for you? Compare the highlighted features of each rewards and cash back card below.

Learn more about our new Travel Rewards+ and Reserve Rewards+ cards!

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VISA Signature® Everyday Rewards+
Earn points to redeem for rewards.

4x unlimited points on dining, take-out & food delivery

2x unlimited points at grocery stores, grocery delivery, gas stations & streaming services

1x unlimited points on all other eligible purchases

$150 bonus reward (15,000 points)

after you spend $500 within first 90 days of account opening

VISA College Real Rewards
A rewards card specifically for students.

Earn 1.5 points for every dollar
you spend on eligible purchases.4

No cap or limit
on the points you can earn, plus you have five years to redeem points for rewards.3

2,500 bonus rewards points
awarded after first purchase5, redeemable for $25 cash back, merchandise, gift cards or travel savings.

VISA Max Cash Preferred Card
Earn cash back in several categories.

5% cash back
on first $2,000 of combined quarterly purchases in two categories like: TV, Internet & Streaming, Services, Home Utilities, Cell Phone Providers and more!1

2% unlimited cash back
on choice of one everyday category like Gas Stations & Ground Transportation, Restaurants & Food Delivery and Grocery Stores & Grocery Delivery.

1% unlimited cash back
on all other eligible purchases.

Redeem Cash Back
for a Statement Credit, Rewards Card, or a Deposit to a Qualifying Account.
1

$150 cash back
after you spend $500 in the first 90 days.
2

VISA Max Cash Preferred Card
Earn cash back in several categories.

5% cash back
on first $2,000 of combined quarterly purchases in two categories like: TV, Internet & Streaming, Services, Home Utilities, Cell Phone Providers and more!1

2% unlimited cash back
on choice of one everyday category like Gas Stations & Ground Transportation, Restaurants & Food Delivery and Grocery Stores & Grocery Delivery.

1% unlimited cash back
on all other eligible purchases.

Redeem Cash Back
for a Statement Credit, Rewards Card, or a Deposit to a Qualifying Account.
1

$150 cash back
after you spend $500 in the first 90 days.
2

Low Rate, Build or Repair Credit

If you’re looking for an easy to understand low rate credit card, just starting to build credit, or if you need to repair credit we have credit card options for you! 

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VISA Secured Card
A savings secured card to help you build or rebuild 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 history6, here's a great way to begin that process.

Enjoy the convenience
of credit, including the option to carry a balance.

Earn interest
on the money in your secured savings account.

VISA College Real Rewards
A rewards card that helps students build credit.

Earn 1.5 points for every dollar
you spend on eligible purchases.

No cap or limit
on the points you can earn, plus you have five years to redeem points for rewards.3

2,500 bonus rewards points
awarded after first purchase5, redeemable for $25 cash back, merchandise, gift cards or travel savings.

VISA Platinum Card
A great low rate credit card.

EMV smart chip
technology for added security.

Mobile purchasing
capability for added convenience.

Pay down your other credit card balances
faster with a great low introductory rate for an extended time.

Save on interest.

Non-Rewards

THE FINE PRINT

VISA Credit Card Legalese

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. You may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

1. Max Cash Preferred Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.

2. If you’re approved for a new Max Cash Preferred Card, a one-time $150 bonus will be awarded for redemption after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

3. Everyday Rewards+ Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 3 additional Points for every dollar in eligible net purchases during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 1 additional Point for every dollar in eligible net purchases during each billing cycle at merchants classified as gas station, grocery store, supermarket or qualifying streaming subscription service. Refer to program rules for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Points expire five years from the end of the quarter in which they are earned.

4. If you’re approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points ($150 value) will be awarded after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

5. Max Cash Secured Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Rewards are earned on eligible net purchases. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.

6. Late payments or going over the credit limit may damage your credit history. Your credit limit will be equal to the amount of your security deposit.

7. College Real Rewards Card: 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. Reward points can be redeemed as a cash deposit to a checking or saving 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 (2,500) will be applied 6 to 8 weeks after first purchases 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.

8. Travel Rewards+ Card: You will earn one and one-half (1.5) Points for every $1 dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 2.5 additional Points for every $1 in Net Purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station, electric vehicle charging station, entertainment, and recreation category codes. Additional Points for Entertainment and Recreation purchases are dependent on how merchants choose to classify their business. Merchants classified as Entertainment include: most cinemas, theme parks, concert venues, professional sports venues, and qualifying ticket sellers such as Ticketmaster® and StubHub®. Entertainment purchases that may not be eligible include tickets purchased from colleges and universities, associations, schools, and charitable organizations. Merchants classified as Recreation include: sports and recreation facilities that charge membership fees, sporting goods stores, public golf courses, fitness centers, ongoing fitness subscriptions, recreational vehicle parks and campsites, dance studios and schools, and bowling centers. Purchases from third parties and consultants at these locations may not qualify. A purchase will not earn additional Points if the merchant's selected code is in a category that is not eligible for additional Points earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional Points. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Points expire five years from the end of the quarter in which they are earned.

9. If you’re approved for a new Travel Rewards+ Card, a one-time 25,000 bonus points will be awarded after eligible net purchases totaling $2,000 or more are made to your account within 120 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.

10. Reserve Rewards+ Card: You will earn two (2) Points for every $1 dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn four (4) additional Points (6 Points total) for every $1 in eligible Net Purchases spent on airline tickets, car rental, and hotel reservations booked directly in the Rewards Center using your rewards credit card instead of Points. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Points expire five years from the end of the quarter in which they are earned.

11. If you’re approved for a new Reserve Rewards+ Card, a one-time 50,000 bonus points will be awarded after eligible net purchases totaling $4,500 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.

*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 license from Visa U.S.A. Inc.

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