Enjoy the peace of mind that partnering with Elan brings including zero fraud liability,9 emergency card replacement, free credit score10 and 24/7 online account access and account alerts that put you in control of your finances – including our mobile app. Cards are managed in house to ensure quality throughout the card delivery process and are completely branded to represent your credit union.

EARN CASH BACK

Visa® Business Cash Preferred

Cash back for your business.

  • 3% Cash Back on eligible purchases at gas and EV charging stations(transactions of $200 or less),* cell phone service providers, office supply stores and on dining, including takeout and food delivery service puchases1
  • 1% Cash Back on all other eligible purchases
  • 5% Cash Back on prepaid hotels and car rentals booked directly in the Rewards Center when you use your card1
  • $100 Annual Statement Credit for recurring monthly software transactions2
  • Redeem3 for cash back with this Financial Institution6

*Excludes discount stores/supercenters and wholesale clubs

EARN REWARDS

Visa® Business Real Rewards

Get unlimited rewards for your bottom line. 

  • 1.5X Points per $1 spent on all eligible purchases4
  • 5.5X Points on prepaid hotels and car rentals booked directly in the Rewards Center when you use your card4
  • No caps on number of points earned
  • Redeem5 for merchandise, gift cards, travel, and cash back with this Financial Institution6

LOW INTRO RATE

Visa® Business

Purchasing power for your business. 

  • Low Intro Rate
  • Save on interest with a great low introductory rate for an extended time
  • Transfer balances to pay down your other high-rate credit card balances faster

EARN REWARDS

Smart Business Rewards Visa®

Earn more where you spend more.

  • 2X Points per $1 spent in top two spend categories each month — automatically7
  • 1X Points per $1 spent on all other eligible purchases
  • 5X Points on prepaid hotels and car rentals booked directly in the Rewards Center when you use your card7
  • No caps on number of points earned
  • Redeem5 for merchandise, gift cards, travel, and cash back with this Financial Institution6

 

EARN REWARDS

Visa® CommUNITY

Streamline money management for your organization.

  • Non-rewards product version available
  • 1X Points per $1 spent on all eligible purchases8
  • Consolidated statements 
  • Designed for non-profits and municipalities
  • Redeem for merchandise, gift cards, travel, and cash back with this Financial Institution6

EARN REWARDS

Visa® Business Company

Simplify the way you manage cash flow and expenses. 

  • 1X Points per $1 spent on all eligible purchases8
  • Consolidated statements 
  • Dedicated account manager 
  • Non-rewards product version available
  • Redeem for merchandise, gift cards, travel, and cash back with this Financial Institution6

 

Consumer card products 

Give your members the opportunity to build credit, maximize cash-back or accumulate points — learn more about our exciting lineup of consumer cards. 

Your members are our priority

We invest heavily in a strong digital experience for cardholders – a critical component to engagement and retention. Learn more about the support and enhancements designed for cardmembers.

Start a conversation

If you are interested in learning how Elan can help your credit union grow, we'd love to hear from you. 

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  1. Visa® Business Cash Preferred Card: You will earn 3% cash back per dollar spent on eligible Net Purchases at dining, including takeout and restaurant delivery, gas and electric vehicle charging stations (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), office supply stores and cell phone service providers. All other eligible Net Purchases may earn 1% cash back. In addition, you will earn 5% (1% base and 4% bonus) for every dollar in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the Rewards Center using your Business Cash Preferred Card. Prepaid car and hotel reservations purchased in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive additional cash back for that category. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be a purchase of automotive fuel and as such will earn a base reward of 1%. Each merchant’s business is identified by a category code established by Visa and Mastercard. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. Please allow 1-2 statement billing cycles for your cash back reward to appear on your credit card statement. Cash back expires 5 years from when it is earned, refer to your Program Rules for full details.

  2. Visa® Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. Eligible software service providers are identified by their Merchant Category Code (MCC) and purchases made at discount/retail stores or online retailers may not qualify. Each merchant’s business is identified by a category code established by Visa and Mastercard. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for this credit.

  3. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice.

  4. Visa® Business Real Rewards Card: You will earn 1.5 Points per dollar spent on eligible Net Purchases charged to your Account during each billing cycle. In addition, you will earn 5.5 Points (1.5 base Points and 4 bonus Points) per dollar spent on eligible Net Purchases spent on prepaid car and hotel reservations purchased in the Rewards Center using your Business Real Rewards Card. Prepaid car and hotel reservations purchased in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive the additional Points for that category. Please allow 1-2 statement billing cycles for your Points reward to appear on your credit card statement. Monthly Net Purchase Points will be applied each billing cycle. Points expire 5 years from when they are earned, refer to your Program Rules for full details.

  5. Maximum Point value applies to Points redeemed for a deposit into an eligible Bank Account with this Financial Institution. The redemption value may be different if you choose to redeem your Points for other rewards such as travel, merchandise, gift cards, and/or statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.

  6. Rewards can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles, or as a Rewards Card. Redemption values and minimums may vary over time and will be disclosed upon redemption.

  7. Smart Business Rewards Visa® Card: You will earn 1 Point per dollar spent on eligible Net Purchases charged to your Account during each billing cycle. In addition, you will earn 2 Points (1 base Point and 1 bonus Point) per dollar spent on eligible Net Purchases in your top 2 highest spend categories (Highest Categories) each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Please visit card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories. In addition, you will earn 5 Points (1 base Point and 4 bonus Points) for every dollar in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the Rewards Center using your Smart Business Rewards Card. Prepaid car and hotel reservations purchased in the Rewards Center are not classified as travel category merchant transactions and are not eligible to receive the additional Points for that category. Each merchant’s business is identified by a category code established by Visa and Mastercard. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. Please allow 1-2 statement billing cycles for your Points reward to appear on your credit card statement. Points expire 5 years from when they are earned, refer to your Program Rules for full details.

  8. Visa® CommUNITY Card and Visa® Business Company Card: You will earn 1 Point per dollar spent on eligible Net Purchases charged to your Account during each billing cycle. Points expire 3 years from when they are earned, refer to your Program Rules for full details.

  9. Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

  10. Free credit score access is available through online account access only. The free VantageScore® Credit Score is for educational purposes only and is not used by Elan Financial Services to make credit decisions.

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Current credit card and API offerings subject to change. Reach out to your account executive to confirm the most up to date information.

The creditor and issuer of these credit cards is Elan Financial Services, pursuant to a license from Visa® U.S.A. Inc.