Choose the best credit card for you.
Enjoy the everyday convenience of a credit card while saving on interest with a low introductory rate.
• Intro APR* for Purchases and Balance Transfers: Platinum: 0% introductory APR for the first 20 billing cycles. After that, 13.49% to 23.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. Terms & Conditions
• You could save on interest and pay down your other credit card balances faster
• Get the flexibility to pay in full or pay down over time.
• Annual Fee: None Terms & Conditions
Real Rewards Card
• Earn 1.5 points for every $1 you spend on eligible net purchases (equal to 1.5% cash back) 2
• Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, Signature Real Rewards: 14.49% to 23.49% based on your creditworthiness when you open your account. Platinum Real Rewards: 14.49% to 23.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. Terms & Conditions
• Get 2,500 bonus points after your first purchase3
• Redeem your points for cash back, travel, merchandise or gift cards
• Annual Fee: None
Having trouble deciding?
We have support staff standing by to answer any of your questions.
A card that’s perfect for anyone who wants to improve or establish their credit.4
• APR for Purchases and Balance Transfers: Secured: 20.99% This APR will vary with the market based on the Prime Rate. Terms & Conditions
• Enjoy the convenience of credit, including the option to carry a balance.
• Earn interest on your companion secured savings account.
• Annual Fee: $35 Terms & Conditions
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.
Subject to credit approval.
*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.
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).
2You 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.
3Reward points can be redeemed as a cash deposit to a checking or saving 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 purchases and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.
4Late payments or going over the credit limit may damage your credit history. Your credit limit will be equal to the amount of your security deposit.