Credit Card with laptop
Personal Credit Cards

Earn a bonus on all points earned every month—automatically. No caps, no limits.
Then enjoy the rewards such as cash back, merchandise, travel and gift cards from popular retailers. 

Two choices:

Visa® Bonus Rewards*

Earn 1 point for every eligible net $1 you spend, plus automatically get a 25% bonus on all points earned every month. Get started with a 0% introductory APR for the first 6 billing cycles and $25 cash back with your first purchase.

No annual fee.

Apply Now

Visa® Bonus Rewards Plus*

Earn 1 point for every eligible net $1 you spend, plus automatically get a 50% bonus on all points earned every month. **Get started with a 0% introductory APR for the first 6 billing cycles.

$50 annual fee—matched the first year with a $50 cash back incentive for your first purchase. 

Apply Now

Credit card products are subject to application and credit approval. The creditor and issuer of these cards is Elan Financial Services.

*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. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.  Elan 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 25% more in bonus rewards consists of 1 Reward Point for each dollar of eligible Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on eligible Net Purchases within a billing cycle (total 1.25 points). The Elan Rewards Program is subject to change. 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 savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Monthly net purchase bonus points will be applied each billing cycle. Net purchases are purchases minus credits and returns.

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 50% more in bonus rewards consists of 1 Reward Point for each dollar of eligible Net Purchases plus an additional 50% (0.50) in points awarded based upon the total points earned on eligible Net Purchases within a billing cycle (total 1.5 points).