Visa Credit Cards

Visa Credit Cards

Have anytime access to funds, right as you need it when your credit card is on-hand. Make purchases online or in-store — Visa® credit cards are accepted virtually anywhere around the globe.

We offer a wide range of cards to accommodate different lifestyles and stages in life. Take advantage of competitive rates, low to no annual fees, and the ability to earn points, redeemable for valuable prizes. Simply go online and track your transactions for a clearer picture of your finances.

Bonus Rewards Card
  • 0% introductory APR for the first 6 billing cycles (on purchases and balance transfers)*
  • After that, a variable APR - currently 9.99% - 20.99%*
  • No annual fee*
  • Earn 1 point for every $1 spent**
  • No caps on points earned - up to 5 years to redeem for rewards
  • 25% bonus on all points earned every month
  • Points redeemed for several valuable rewards:
  • Cash back
  • Travel
  • Merchandise
  • Gift cards
  • $25 cash back on first purchase**
  • Make purchases online or in-store anytime, virtually anywhere
  • Meet financial needs as they arise
  • Establish or re-establish credit history
  • Easily access and track transactions online
  • Easily replaced if lost or stolen

Current cardholders

Access a log of your transaction and manage your card online.


*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 12-08-12 the undiscounted variable APR for Purchases and Balance Transfers is 9.99% - 20.99% (based on your creditworthiness). The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum, Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee of 3% of each transfer amount, $5 minimum. There is a $2 minimum finance charge where interest is due. The annual fee is $0 for Visa Bonus Rewards. 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. 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. 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, issuer and service provider of your credit card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

**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. 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.

Bonus Rewards PLUS Card
  • 0% introductory APR for the first 6 billing cycles (on purchases and balance transfers)*
  • After that, a variable APR - currently 9.99% - 20.99%*
  • $50 annual fee*
  • Earn 1 point for every $1 spent**
  • No caps on points earned - up to 5 years to redeem for rewards
  • 50% bonus on all points earned every month
  • Points redeemed for several valuable rewards:
  • Cash back
  • Travel
  • Merchandise
  • Gift cards
  • $50 cash back on first purchase**
  • Make purchases online or in-store anytime, virtually anywhere
  • Meet financial needs as they arise
  • Establish or re-establish credit history
  • Easily access and track transactions online
  • Easily replaced if lost or stolen

Current cardholders

Access a log of your transaction and manage your card online.


*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 12-08-12 the undiscounted variable APR for Purchases and Balance Transfers is 9.99% - 20.99% (based on your creditworthiness). The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum, Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee of 3% of each transfer amount, $5 minimum. There is a $2 minimum finance charge where interest is due. The annual fee is $50 for Visa Bonus Rewards PLUS. 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. 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. 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, issuer and service provider of your credit card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

**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. 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.


Platinum Card
  • 0% introductory APR for the first 12 billing cycles (on purchases and balance transfers)*
  • After that, a variable APR - currently 9.99% - 20.99%*
  • No annual fee*
  • Save on interest
  • Pay down other card balances faster
  • Make purchases online or in-store anytime, virtually anywhere
  • Meet financial needs as they arise
  • Establish or re-establish credit history
  • Easily access and track transactions online
  • Easily replaced if lost or stolen

Current cardholders

Access a log of your transaction and manage your card online.


*The 0% introductory APR applies to purchases and balance transfers and is valid for 12 billing cycles. The introductory rate does not apply to cash advances. Thereafter, the APR may vary and as of 12-08-12 the undiscounted variable APR for Purchases and Balance Transfers is 9.99% - 20.99% (based on your creditworthiness). The variable APR for Cash Advances is 23.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum, Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee of 3% of each transfer amount, $5 minimum. There is a $2 minimum finance charge where interest is due. The annual fee is $0 for Visa Platinum. 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. 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. 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, issuer and service provider of your credit card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.



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