Credit Cards

The Elan Rewards Program is subject to change. Rewards are earned on eligible Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler’s checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Account must be open and in good standing (not past due or overlimit) to earn and redeem rewards and benefits. Subject to applicable law, you may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

1. Max Cash Preferred Card and Max Cash Secured Card: Cardmember must initially enroll into categories of their choice, or all Net Purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back (1% base & 4%bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your one chosen 2% (1% base & 1% bonus) category. Purchases in the following everyday categories: Grocery Store/Supermarket and Gas Station/EV Charging Stations at Wholesale clubs, discount stores/supercenters such as Target and Walmart will only earn 1%. All other Net Purchases earn 1% cash back. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. 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 within 1-2 statement billing cycles, or as a Rewards Card. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice. Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire. Refer to your Program Rules for full details.

2. If you’re approved for a new Max Cash Preferred Card, a one-time $150 bonus will be awarded for redemption after eligible Net Purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles for your bonus to appear on your credit card statement.

3. Everyday Rewards+ 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 4 Points (1 base Point and 3 bonus Points) per dollar spent on eligible Net Purchases for your first $2,000 each quarter, 1 Point after quarterly maximum, during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 2 Points (1 base Point and 1 bonus Point) per dollar spent on eligible Net Purchases during each billing cycle at merchants classified as gas station and electric vehicle charging station (at wholesale clubs, discount stores/ supercenters and grocery stores/supermarkets will only earn 1 Point), grocery store and supermarket (at wholesale clubs and discount stores/supercenters such as Target and Walmart will only earn 1 Point), and qualifying streaming subscription services. Refer to your Program Rules for a list of qualifying streaming services. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. Points expire 5 years from when they are earned, refer to your Program Rules for full details.

4. If you’re approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points will be awarded after eligible Net Purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.

5. Maximum Point value applies to Points redeemed as a cash 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 a statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.

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 1-2 statement billing cycles or as a Rewards Card. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice.

7. Late payments or going over the credit limit may damage your credit history. Your credit limit will be equal to the amount of your security deposit.

8. College Real Rewards Card: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (worth up to 1.5% cash back). 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. Reward points can be redeemed as a cash deposit to a checking or saving 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. First purchase bonus points (2,500) will be applied 1-2 statement billing cycles after first purchases and are not awarded for balance transfers or cash advances. Please allow1-2 statement billing cycles for your bonus points to appear on your credit card statement.

9. Travel 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 4 Points (1.5 base Points and 2.5 bonus Points) per dollar spent on eligible Net Purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station and electric vehicle charging station (at wholesale clubs, discount stores/supercenters and grocery stores/supermarkets will only earn 1 Point), entertainment, and recreation category codes. Net Purchases are purchases minus credits and returns. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. Additional Points for Entertainment and Recreation purchases are dependent on how merchants choose to classify their business. Merchants classified as Entertainment include: most cinemas, theme parks, concert venues, professional sports venues, and qualifying ticket sellers such as Ticketmaster® and StubHub®. Entertainment purchases that may not be eligible include tickets purchased from colleges and universities, associations, schools, and charitable organizations. Merchants classified as Recreation include: sports and recreation facilities that charge membership fees, sporting goods stores, public golf courses, fitness centers, ongoing fitness subscriptions, recreational vehicle parks and campsites, dance studios and schools, and bowling centers. Purchases from third parties and consultants at these locations may not qualify. Points expire 5 years from when they are earned, refer to your Program Rules for full details.

10. If you’re approved for a new Travel Rewards+ Card, a one-time 25,000 bonus points will be awarded after eligible Net Purchases totaling $2,000 or more are made to your account within 120 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.

11. Reserve Rewards+ Card: You will earn 2 Points per dollar spent on eligible Net Purchases charged to your Account during each billing cycle. In addition, you will earn 6 Points (2 base Points and 4 bonus Points) per dollar spent on eligible Net Purchases for prepaid airfare, car rental, and hotel reservations booked directly in the Rewards Center using your rewards credit card instead of Points. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional Rewards if the category code applied to a merchant is in a category that is not eligible for additional Rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards. Points expire 5 years from when they are earned, refer to your Program Rules for full details.

12. If you’re approved for a new Reserve Rewards+ Card, a one-time 50,000 bonus points will be awarded after eligible Net Purchases totaling $4,500 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.

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

*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.