Enjoy the peace of mind that partnering with Elan brings including zero fraud liability,1 emergency card replacement, free credit score,2 and 24/7/365 U.S.-based customer service. 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

Triple the cash back for your business.

  • 3% cash back on eligible purchases at gas and EV charging stations, cell phone service providers, office supply stores and on dining, including takeout and food delivery service purchases3,4
  • 1% cash back on all other eligible purchases
  • $100 annual statement credit for recurring monthly software transactions5
  • Redeem for cash back6

 

EARN REWARDS

Visa® Business Real Rewards

Running your business is hard work. Rewarding your business is easy. 

  • 1.5X rewards with no limits
  • 1.5X points per $1 spent on all eligible purchases3,7
  • Redeem for merchandise, gift cards, travel, and cash back6

LOW INTEREST RATE

Visa® Business

Low-interest purchasing power to fuel new possibilities. 

  • Save on interest with a great low introductory rate for an extended time3
  • Transfer balances to pay down your other high-rate credit card balances faster

EARN REWARDS

Smart Business Rewards Visa®

Don't just run your business. Reward your business.

  • 2X rewards in top two categories 
  • 2X points per $1 spent in top two spend categories each month — automatically3,8
  • 1X points monthly per $1 spent on all other eligible purchases 
  • Redeem for merchandise, gift cards, travel, and cash back6

 

EARN REWARDS

Visa® Business Company

An easier way to manage cash flow and expenses. 

  • Corporate liability optional rewards program
  • 1 point per $1 spent on all eligible purchases3,9
  • Consolidated statements 
  • Dedicated account manager 
  • Free online reporting
  • Redeem for merchandise, gift cards, travel, and cash back6

 

EARN REWARDS

Visa® CommUNITY

Designed with nonprofits and municipalities in mind.

  • Corporate liability optional rewards program. 
  • 1 point per $1 spent on all eligible purchases3,9
  • Consolidated statements 
  • Dedicated cardmember service 
  • Free online reporting
  • Redeem for merchandise, gift cards, travel, and cash back6

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. 

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Products at-a-glance

View a snapshot of our consumer and business products so you can easily compare offerings and benefits. 

Download PDF

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. 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.

  2. 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.

  3. 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).

  4. Visa® Business Cash Preferred Card: You will earn 3% cash back for every $1 in eligible net purchases atmerchants classified as electric vehicle charging or gas stations, office supply stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other eligible net purchases will earn 1% cash back. Purchases of gasoline or electric vehicle charging greater than $200 will not be deemed to be apurchase of automotive fuel and as such will earn a reward of 1%. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles, a Rewards Card, Real-Time Rewards or Pay with Rewards when you check out with PayPal. Cash rewards expire five years from the end of the quarter in which they are earned.

  5. Visa® Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2 statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve the right to adjustor reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.

  6. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption).

  7. Visa® Business Real Rewards Card: You will earn 1.5 Points for every $1 of eligible net purchases made with your Account within a billing cycle. Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

  8. Smart Business Rewards Visa® Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant 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. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. Points expire five years from the end ofthe quarter in which they are earned.

  9. Visa®  Business Company Card or Visa® CommUNITY Card: You will earn 1 Point for every $1 of eligible net purchases charged to your Account during each billing cycle. Points expire three years from the end of the quarter in which they are earned.

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Current 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.