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Visa Rewards Credit Card content


Visa® Real Rewards

Earn rewards on everyday purchases. Earn 1.5 points for every dollar you spend on eligible net purchases.1 And, with our Visa® Real Rewards Credit Card, don't worry about points caps1—you won't ever have a cap on points! Redeem your rewards however you choose—as cash back2, a handy gift card or even in the form of air travel.


visa bonus rewards card

Earn rewards every time you use your card. Earn 1.5 points for every dollar you spend. Plus, don't worry about points caps—you won't ever have a cap on points!

Full benefits

Earn rewards

1.5 points for every $1 in net spend (spend less returns)
2,500 points for first use, equivalent to $25
No points caps
Points expire in five years

Redeem points

Redemption Options—Cash, gift cards, merchandise, airfare or our Choose Your Own Rewards option
Cash Rewards—Minimum redemption 2,500 points = $25, redeem in increments of $25, can be statement credit or ACH deposit
Choose Your Own Rewards—Redeem points for a statement credit in the amount of any purchase
Airline Tickets—25,000 points = $250 ticket
No blackout dates, no airline restrictions, no Saturday night stay requirements, no advanced booking requirement, no seating restrictions, no origination or destination restrictions. Above $250, redeem at a point conversion rate of 1 percent. For instance, a $400 ticket would be 40,000 points.
Enjoy getting your rewards as cash back, or as a gift card.
Choose from iTunes, Marriot, Kohl's, Amazon and other great retailers for your gift card.

Save on travel

Concierge—Complimentary 24/7/365 access to a wide range of personalized services, including entertainment planning, business services, gift arrangements, specialty services and travel information
Lost Luggage Reimbursement—Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.
Roadside Dispatch—Available only when traveling in the 50 United States and the District of Columbia. If your car breaks down on the road, just call and tell us where you are. We'll send someone to the rescue.
Auto Rental Discounts—Alamo, Hertz and National
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services—Emergency message service, emergency transportation assistance, legal referral assistance, lost luggage locator service, medical referral assistance, prescription assistance and valuable document delivery arrangements, pre-trip assistance
Warranty Manager Service—Provides warranty registration and extended warranty protection (doubles free-repair period)

Save on food and entertainment

Signature Access—Offers entry to exclusive, unique experiences as well as preferred access to the best seats at sports, entertainment and cultural venues.
Signature Fine Wine & Food—Complimentary Zagat Survey restaurant rating and reviews. Plus, a host of fine wine and food experiences.
Signature Privileges—Provides cardmembers with special offers, opportunities and upgrades from participating merchants.
Merchant Discounts—Merchant discounts when you use your card—coupons available online.

Enjoy convenience

Online Account Access—Download transactions, statements, make a payment or establish automatic payments, establish alerts for online statements, payment due, payment posted, payment overdue, balance exceeds, credit posted, debit posted, request credit limit increase, balance transfer, add authorized user or joint owner, manage your rewards
Year-end Summary—Receive an online detailed summary of your spending during the year for convenient budget analysis and financial planning.

Security you can trust

Purchase Security—Will replace, repair or reimburse cardmember for theft or damage up to $500 per claim.
Emergency Card Replacement & Cash Disbursement—Provides worldwide, 24-hour assistance with lost and stolen card reporting, emergency card replacement and emergency cash advance.
Lost/Stolen Card Reporting—Visa will forward reports of lost or stolen cards to the appropriate card Issuers.
Zero Liability/Fraud Protection—Zero liability from fraud and protection from unauthorized use of your card or account information.3
All Cards Have EMV Chip

Call 800-236-8866

Customer Care Center, available 24/7/365

1. The Elan Rewards Program is subject to change. You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Points earned on eligible Net Purchases. Net purchases are purchases minus credits and returns. Monthly net purchase bonus points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

2. Offer subject to credit approval and applies to the Visa Real Rewards Credit Card. 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). $25 cash back will be awarded in the form of 2,500 bonus rewards points after first purchase. First purchase bonus points will be applied six to eight weeks after first purchase and are not awarded for balance transfers or cash advances. Reward 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. Monthly net purchases bonus points will be applied each billing cycle.

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

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

Visa and the Visa logo are registered trademarks of Visa International Service Association. All trademarks, service marks and trade names referenced in this material are the property of their respective owners.

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