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Find the card with the best rewards for your business.
Earn 1.5 points for every eligible net $1 you spend.1 No caps or limits on the points you can earn, plus you have 5 years to redeem points for rewards.2 2,500 bonus points awarded after first purchase,2 redeemable for $25 cash back, merchandise, gift cards or travel savings.
Special Offer: 0% APR for the first 6 billing cycles on purchases and balance transfers.*
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Earn 1.5 points for every eligible net $1 you spend. Earn 3 points for every $1 of purchases in the category you spend the most on: cellular phone services, hotel or airline.3 No cap or limit on the points you can earn, and you have 5 years to redeem points for rewards.1 20,000 bonus rewards points after you spend $2,000 in the first 3 months,2 redeemable for $200 cash back, merchandise, gift cards or travel savings.
3% cash back on all eligible net purchases from office supply stores and cellular phone, landline, internet and cable TV services.4 2% cash back on restaurant and gas station-eligible net purchases. 1% cash back on all other eligible net purchases. No caps or limits on the cash back you can earn, and you have 5 years to redeem for cash back.4 $25 cash back bonus after first purchase.2
To report a lost or stolen card, call 800-236-2442.
*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.
1The 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 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).
2 Rewards 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.
3 Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account. You may earn additional points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a "Category"). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the "Highest Category") during each billing cycle.
4 "Cash Back rewards" are the rewards you earn under the program. Cash Back rewards are tracked as points and each $0.01 in Cash Back rewards earned is equal to 1 point. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. Points earned on Net Purchases (purchases minus credits and returns). Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not eligible. You will earn 1 Reward Point ("Point") for each dollar of Net Purchases charged to your Account during each billing cycle. You will also 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 as office supplies or cellular phone, land line, internet and cable TV services. In addition, you will 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 merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations and restaurants. The number of additional Points earned on office supply store purchases, cellular phone, land line, internet and cable TV services, automated fuel dispensers, service stations and restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.
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 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, and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.
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