Personal Credit Cards

Cash Back Maximized To Fit Your Life

Details

No matter which card you choose, you'll enjoy important features like:

• Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
• Mobile purchasing capability for added convenience.
• Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
• Cardmember Service available 24 hours a day/365 days per year.
• Plus much more

*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., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Choose Your Card

Pay Down Balances

Visa® Platinum Card APPLY NOW | LEARN MORE

Pay down your other credit card balances faster with a great low introductory rate for an extended time.
Save on interest.
Non-Rewards.

Choose Where You Earn The Most Cash Back

Visa® Max Cash Preferred Card APPLY NOW | LEARN MORE

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 or 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 90.²

Rewards to Use the Way You Want ³

Visa® Real Rewards Card APPLY NOW | LEARN MORE

Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back).⁴
No cap or limit on the number of points you can earn, and you have five years to redeem for rewards.³
2,500 bonus rewards points awarded after first purchase.^⁵

Build Your Credit

Visa® College Real Rewards Card APPLY NOW | LEARN MORE

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® Secured Card APPLY NOW | LEARN MORE

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 history ⁶, 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

Apply Now

^{24.HR CARDMEMBER SERVICE 866-234-4691 | OUTSIDE THE U.S. 701-461-1772 COLLECT | Additioinal Resources here.}

Get assistance with your account.

If you've been financially impacted by COVID-19 and need help, please contact Cardmember Service by calling the number on the back of your card. 24.HR CARDMEMBER SERVICE 866-234-4691

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).

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, 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 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases.

4 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.

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

6 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 a license from Visa U.S.A.

Cardmember Service

For questions about your account or to report a Lost or Stolen Card.
24-Hour Cardmember Service: 800-558-3424
To reach Cardmember Service via email, login to your account and click on Messages.

Technical Support

For questions about your internet browser configuration or technical support for the Online Account Access website.
877-334-0460

Send a Payment

Cardmember Service
P.O. Box 790408
St. Louis, MO 63179-0408

Send an Overnight Payment

Cardmember Service
824 N 11th Street
St. Louis, MO 63101-1016