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Credit Builder Cards

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Credit Builder Cards

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Build Your Credit.

Visa Signature® College Real Rewards Card

  • Earn 1.5 points for every eligible net $1 you spend.1
  • No caps or limit on the points you can earn, plus you have five years to redeem points for rewards.2
  • 2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
  • Zero Fraud Liability4

Visa® Max Cash Secured Card 

  • Excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.
  • Late payments and going over the credit limit may damange your credit history.
  • Earn 5% cash back on first $2,000 of combined quarterly purchases from two categories of your choice: Home Utilities, Cell Phone Providers, TV/Internet/Streaming and more.5
  • Earn 2% unlimited cash back from one category: Gas Stations & Ground Transportation, Restaurants & Food Delivery or Grocery Stores & Grocery Delivery.
  • Earn 1% unlimited cash back on all other eligible purchases.  

Secured Visa® Card

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history6, here's a great way to begin that process.
  • Enjoy the convenience of credit, including the option to carry a balance.
  • Earn interest on the money in your secured savings account.

 


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).

1 You will earn 1.5 Reward Points for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back).

2 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).

3 Rewards points can be redeemed as a cash deposit to a checking or savings account with this Finacial 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 will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Monthly net purchase bonus points will be applied each billing cycle.

4 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.

5 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 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). 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 on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category.  All other net purchases earn 1% cash back.  Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement.  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 or as a Rewards Card ($25 minimum redemption).  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.
Program Rules.  Complete terms and conditions for the Rewards Program, (the "Program"), including rules regarding the redemption, expiration, loss or cancellation of Points, award thresholds, eligibility, participation, and our right to amend or terminate the Program, are set forth in our Rewards Program Rules (the "Program Rules") that are provided to you separately.  The Program Rules will exclusively govern the terms of the Program and, with respect to the Rewards Program, to the extent the Program Rules conflict with the terms of this Cardmember Agreement or any other materials the Program Rules will control.  We reserve the right to amend or cancel the Program or change Program benefits at any time with or without notice to you.  Please review the Program Rules and FAQ online through the Rewards Center.

6 Late payments and going over the credit limit may damage your credit history.

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

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