Cardmember Agreement for Elan Financial Services ® Visa ® and Mastercard ® Classic, Gold and Platinum Accounts
This credit card program is issued and administered by Elan Financial Services. This information is accurate as of March 31, 2026. PLEASE NOTE that this information is provided for general information purposes only and is not specific to your Account. See the Agreement that was provided for your Account and Card for more detailed information, including contact information.
PRICING INFORMATION : Actual pricing will vary from one Cardmember to another. ( APR = Annual Percentage Rate) ( DPR = Daily Periodic Rate)
Annual Percentage Rates for Purchases
This APR will vary with the Market based on the Prime Rate. · Prime + 6.74% to 21.74% ( APR ) 13.49% to 28.49% ( DPR ) 0.036959% to 0.078054%
Annual Percentage Rates for Balance Transfers
This APR will vary with the Market based on the Prime Rate. · Prime + 6.74% to 21.74% ( APR ) 13.49% to 28.49% ( DPR ) 0.036959% to 0.078054%
Annual Percentage Rates for Cash Advances
This APR will vary with the Market based on the Prime Rate. · Prime + 6.74% to 23.74% ( APR ) 13.49% to 30.49% ( DPR ) 0.036959% to 0.083534%
Penalty APR and When It Applies · There is no Penalty Rate for your Account.
Paying Interest · Your due date is 24-30 days after the close of each billing cycle. We will not charge you interest on Purchases if you pay your entire balance by the due date each month. We will begin charging interest on Advances and Balance Transfers on the transaction date.
Minimum Interest Charge · If you are charged interest, then the Minimum Interest Charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore .
Set Up and Maintenance Fees · NOTICE: Some of these set-up and maintenance fees will be assessed before you begin using your Card and based on your Credit Limit, your initial available credit will be less. You may still reject this Account, provided that you have not yet used it or paid a fee after receiving a billing statement. If you do reject the Account, you are not responsible for any fees or charges .
Annual Fee · $0
Travel Fee · NONE
Transaction Fees
Balance Transfer Advance Fee · Either $5 or 3% to 5% of the Transfer or Advance amount, whichever is greater (maximum fee (No Maximum)).
Convenience Check Advance Fee · Either $5 or 3% to 5% of the Advance amount, whichever is greater (maximum fee (No Maximum)).
Financial Institution Cash Advance Fee · Either $0 to $10 or 0% to 5% of the Advance amount, whichever is greater (maximum fee (No Maximum)).
Cash Equivalent Advance Fee · Either $0 to $10 or 0% to 5% of the Advance amount, whichever is greater (maximum fee (No Maximum)).
Cash Advance Overdraft Protection Fee · Either $0 to $10 or 0% to 4% of the Advance amount, whichever is greater (maximum fee (No Maximum)).
