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Generous Cash Back Rewards
Generous Cash Back Rewards

Finally, a card that gives you the cash back you deserve. Earn 3% for gas station purchases, 2% for supermarket purchases, and 1% for everything else.

Low Introductory Rate
Low Introductory Rate

We don’t think rewards cards should come with high fees attached. You’ll get our low introductory 0.00% rate for your first six billing cycles.

No Annual Fee
No Annual Fee

Cash rewards and no annual fee set the Cash Rewards American Express® Card apart from the other cards in your wallet.

Zero Fraud Liability
Zero Fraud Liability

Shop with confidence with Zero Fraud Liability protection on every purchase.

0.00% Introductory APR
Cash Rewards American Express® Credit Card Features
0.00% Introductory APR

How to Get Our Cash Rewards American Express® Card

Step 1
Step 1

Complete the online application by clicking the button below.

Step 2
Step 2

After being approved, receive your credit card in the mail.

Step 3
Step 3

Start racking up cash back rewards on everyday purchases!

Cash Rewards American Express® Card FAQs

Are there any limits on how much cash back I can earn in a year?

No, there’s no limit on the amount of cash back you can earn, although certain types of transactions, including transfers, are not eligible for cash back rewards.

How long will points remain in a cardmember’s account?

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.

What is a net purchase?
Reward points are earned on net purchases only. Net purchases include all purchases minus any credits posted to the account for returns during the billing cycle.

Learn Why Our Members Love PrimeWay

We make your dreams our mission – every day. Read what our members have to say about how PrimeWay membership has helped them achieve their dreams.

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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.

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.

Rewards points: You will earn 1 reward point ("Point") for each dollar of eligible net purchases charged to your account during each billing cycle. Net purchases are purchases minus credits and returns. 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. Merchants are assigned category codes by American Express based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not in an eligible category. We do not determine the category codes that merchants are assigned, but we do reserve the right to determine which purchases qualify for additional points. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to make the purchase. The number of points that may accumulate in any monthly billing cycle for your account is unlimited.

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. Points expire five years from the end of the quarter in which they are earned. 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, program misuse, failure to pay, bankruptcy, or death.) Points will be awarded to the primary cardmember and may not be redeemed by an authorized cardmember on the Account.

Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only 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.

Elan Financial Services provides Zero Fraud Liability for authorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

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