PRODUCTS, REWARDS & MOBILE PAYMENTS

 

Providing a comprehensive suite of product options is key to deepening and maintaining new and existing customer relationships. When you partner with Elan, you can be proud to offer credit card products that are competitive with the very best in the industry. Our leading consumer and business reward cards offer a full 1% cash back, merchandise, gift cards and great travel options.  Our business cards also offer great rewards for every dollar spent, and help business owners track and manage expenses. Elan now offers cardmembers the ability to make secure mobile payments* with a compatible Apple®, Android ® or Samsung® phone.

 

PRODUCTS

 

*Includes both Visa and MasterCard Associations

1 Cash Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of Net Purchases (purchases minus credits and returns) charged to your Account during each billing cycle.  You will also earn 1 additional Point (for a total of 2 points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of supermarkets.  The number of additional Points earned on supermarket Purchases is unlimited.  In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12 month period commencing on the anniversary date of this Account.  Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12 month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle.

2 Travel Rewards Card Points:  You will earn 1 Reward Point (“Point”) for each dollar of Net Purchases (purchases minus credits and returns) charged to your Account during each billing cycle.  You will also earn 1 additional Point (for a total of 2 points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant categories: hotels and restaurants.  In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines.

3 The Elan Rewards Program is subject to change.  Points earned on Net Purchases (purchases minus credits and returns).  Points expire five years from the end of the quarter in which they are earned.  Bonus Rewards: The 25% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 25% (0.25) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.25%).  Bonus Rewards Plus: The 50% more in bonus rewards consists of 1 Reward Point for each dollar of Net Purchases plus an additional 50% (0.50) in points awarded based upon the total points earned on Net Purchases within a billing cycle (total 1.50%).  Monthly net purchase bonus points will be applied each billing cycle.

4 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.

5 Visa Bonus Rewards, Visa Bonus Rewards PLUS, Cash Rewards American Express Card and Travel Rewards American Express Card: The 0% introductory APR applies to purchases and balance transfers and is valid for the first 6 billing cycles.  The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 02-21-15, the undiscounted variable APR for Purchases and Balance Transfers is P+8.74%-P+19.74% (based on your credit worthiness). 

Visa Platinum:  The 0% introductory APR applies to purchases and balance transfers and is valid for the first 12 billing cycles.  The introductory rate does not apply to cash advances.  Thereafter, the APR may vary and as of 02-21-15, the undiscounted variable APR for Purchases and Balance Transfers is P+6.74%-P+17.74% (based on your credit worthiness).  Visa Platinum, Visa Bonus Rewards, Visa Bonus Rewards PLUS, Cash Rewards American Express Card and Travel Rewards American Express Card: The variable APR for Cash Advances is P+20.74%.  Cash Advance fee: 4% of each advance amount, $10 minimum.  Convenience Check fee: 3% of each check amount, $5 minimum.  There is a $2 minimum interest charge where interest is due.  The annual fee is $0 for Visa Bonus Rewards, Visa Platinum, and Cash Rewards American Express Card.  The annual fee is $50 for Visa Bonus Rewards PLUS and $95 for Travel Rewards American Express Card.  Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. dollars.  3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency for Visa Platinum, Visa Bonus Rewards, Visa Bonus Rewards PLUS and Cash Rewards American Express Card.  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 the 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.

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 of MasterCard International Incorporated.  American Express is a federally registered service mark of American Express.  The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express.  American Express is a federally registered service mark of American Express.  

 
 

*Includes both Visa and MasterCard Associations.

**25% MORE POINTS-Each month, you earn 1 Point for every net $1 you spend, plus an additional 25% BONUS on all points earned that month (that’s the equivalent of getting 1.25 points for every net $1 in purchases). 

***50% MORE POINTS- Each month, you earn 1 Point for every net $1 you spend, plus an additional 50% BONUS on all points earned that month (that’s the equivalent of getting 1.55 points for every net $1 in purchases). 

† – Late payments or going over the credit limit may damage your credit history.

 
 
 

MORE REWARDS. NOT MORE RULES


Elan reward card programs help deliver exceptional value to your customers in a simple and

straightforward way. Cardmembers find points add up quickly and redeeming rewards is easy
and fast. Unlike other reward cards, Bonus Rewards cardmembers automatically earn bonus
points each month based on their total spend, not just on purchases made in certain categories.
Additionally, for both Bonus Rewards and Elite cardmembers, there is no limit on the number
of points that can be earned, and points can be redeemed for travel, cash back, gift cards,
merchandise and more. With premier Bonus Rewards consumer and business cards,
cardmembers truly benefit from more rewards, not more rules.

 
 
 
 

CONNECT CARDMEMBERS WITH NEW WAYS TO PAY WITH MOBILE PAYMENTS

 

Discover Mobile Purchasing

Elan now offers cardmembers the ability to make secure mobile payments* with a compatible Apple®, Android ® or Samsung® phone, tablet or watch, without ever opening their wallet.

 

Mobile Payment Technology:

 

 

 

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Streamline Check Out
With mobile purchasing, at check out, cardmembers will use their phone instead of swiping a card.  They can simply wave their phone over a compatible terminal to pay. When they hold their phone near the terminal, they can “okay” the purchase with a fingerprint.  Signatures may still be required.

  •  

Simple to Setup
It doesn’t matter whether a cardmember has an Apple, Android or Samsung device – the set-up process is simple.  In most cases, the cardmembers can add their card with their phone’s camera.

  •  

Security Smarts
With mobile payments, instead of cardmember’s sharing their information, a virtual card number is created. That virtual number is used for purchases- keeping their data safe. They can visit their phone provider website for more information on security.

 

Learn More

  •  
Apple Pay™ works with: iPhone®, iPad® and Apple Watch™. apple.com/apple-pay
  •  
Android Pay™ works with: NFC-enabled Android devices. android.com/pay
  •  
Samsung Pay™ works with: Galaxy S®6, S6 edge and later phones. samsung.com/pay

 

Visit the helpful Mobile Payments Website for more details!


Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Android, Android Pay, and the Android Logo are trademarks of Google Inc. ©2015 Samsung, Samsung Pay, Samsung Galaxy and Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. The creditor and issuer of the credit cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. or MasterCard International Incorporated. MasterCard is a registered trademark of MasterCard International Incorporated.


*Mobile carrier may charge access fees depending upon an individual’s plan. Check with the carrier for specific fees and charges.