Earn More Where You Spend More
Earn 2 points in your top 2 spend categories each month, automatically
Earn 1 point on all other eligible purchases
Earn 20,000 bonus rewards points when you spend $500 in the first 90 days of account opening
No Caps or Limits
on the number of points you can earn.
Redeem points for your choice of cash back, travel, gift cards and merchandise.
Free Employee Cards
Keep track of employee expenses while earning as many rewards as possible.
APR for Purchases and Balance Transfers
16.24% to 21.24% based on your creditworthiness when you open your account.
This APR will vary with the market based on the Prime Rate.
Annual Fee$0 introductory annual fee for the first 12 months, After that $95 for the first year and
every year after it will be $95 for Account Owners and $0 for Authorized Employees.
Terms & Conditions
Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its aﬃliates as provided under the Cardmember Agreement and applicable law.
Subject to credit approval.
- 1. 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). ). Points expire five years from the end of the quarter in which they are earned.
- 2. 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 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant spend categories ("Highest Categories") each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Please visit card.myaccountaccess.com/credit/visa-smart-business-rewards.do to see the full list of eligible merchant categories. Merchants are assigned codes based on what they primarily sell. Elan Financial Services cannot control how merchants choose to classify their business and reserves the right to determine which purchases qualify. A purchase will not earn additional points if the merchant's code is not eligible. Points expire five years from the end of the quarter in which they are earned.
- 3. A one-time bonus of 20,000 points will be awarded if you are approved and eligible Net Purchases totaling $500 or more are made on the Authorized Oﬃcer's Card within the first 90 days of account opening. These bonus points will be awarded on your monthly billing statement. This oﬀer may not be combined with any other bonus oﬀer. Additional bonus points are earned only on Authorized Oﬃcer purchases. Please allow 6-8 weeks for your bonus points to be credited to your account.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporate.