You won’t find a more generous rewards card anywhere. Earn 3 points per dollar you spend on cellular, gasoline, OR travel expenditures and 1.5% on everything else.
Earn 20,000 points when you spend $2,000 in your first 3 months. Redeem for cash back, gift cards, travel savings, or merchandise.
Earn as many points as you like with no limits or restrictions – and take up to 5 years to redeem them.
We’ll waive the fee for the first year – so every reward you earn will be yours to enjoy for free.
Any points earned will remain in the cardmember’s account for five years to the end of the quarter in which they are earned. When points are redeemed, the earliest earned points are used first.
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.
Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account. You may earn additional points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a "Category"). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the "Highest Category") during each billing cycle.
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).
Rewards points can be redeemed as a cash deposit to a checking or savings 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. One-time bonus points will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening. One time bonus points are awarded only on Authorized Officer purchases. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account. Monthly net purchase bonus points will be applied after each billing cycle.