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Visa Signature® Real Rewards Card

1.5x Unlimited Rewards

Earn 1.5 points monthly for every dollar you spend on eligible net purchases.1 There’s no cap or limit on the points you can earn. Choose to redeem your points for cash back, merchandise, travel, and gift cards from popular retailers.

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Rewards Program
  • Earn 1.5 points for every eligible net $1 you spend1
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards2
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards, or travel savings
  • Limited Time Reward Bonus Offer - Additional $75 value awarded after first purchase if made by November 30, 2019, for a total of $100!3
  • Zero Fraud Liability4
Cardmember Benefits

Enjoy chip-enhanced acceptance and security plus a variety of important features, including zero fraud liability4 and auto rental collision damage waiver. See Consumer Card Features and Benefits for a complete listing of all card benefits.

Special Offers

Introductory 0.00% APR for the first 6 billing cycles on purchases* and balance transfers.

Purchase APR

After that, a variable APR, currently 16.24% to 25.24%.* See the Terms and Conditions for complete details.

Annual Fee

No Annual Fee

Minimum Requirements

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. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. 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.

  1. You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back).
  2. 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 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).
  3. Cardmember will receive a "special" bonus of 7,500 points upon first purchase, which is in additional to the "standard" 2,500 points awarded after first purchase, for a total of 10,000 initial points.  In order to qualify, the first purchase must be made by November 30, 2019, and the account must be opened between now and September 30, 2019.  The account must remain open, have available credit and be current (no minimum payment past due) at the time the bonus is to be awarded.  First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.  The 2,500 "standard" bonus points and the 7,500 "special" bonus points may be awarded in separate billing cycles.  Points expire five years from the end of the quarter in which they are earned.
  4. 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 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.