Credit Cards | Elements Financial
Image for Joining Elements

Credit Cards

Reward yourself with a credit card that features low rates and cash back.

Our credit cards not only have a competitive introductory offer, but also feature low rates with fantastic features and benefits to help you stay financially well. — And you can get $300 Cash Back* just by using your card.

Elements Financial's credit cards are the only cards with zero penalty rates, zero annual fees and guaranteed rates after your introductory period.


Set Up Fraud Text Alerts  |  Verified by Visa | Pay Your Taxes With Visa

 

Platinum
Visa Credit Card
Cash Rewards
Visa Credit Card
Signature Rewards
Visa Credit Card
Riley Children's Foundation
Visa Credit Card
Secured
Visa Credit Card


See Details


See Details


See Details


See Details


See Details
0% Intro APR1 for 6 Months on purchases2 and balance transfers3. 0% Intro APR1 for 6 Months on purchases2 and balance transfers3. 0% Intro APR1 for 6 Months on purchases2 and balance transfers3. 0% Intro APR1 for 6 Months on purchases2 and balance transfers3.  

After the intro period, a variable APR of 9.49% for purchases and balance transfers.

No Balance Transfer Fee

No Late Payment Fee




Read Disclosures

After the intro period, a variable APR of 13.49% for purchases and balance transfers.

No Balance Transfer Fee


Read Disclosures

After the intro period, a variable APR of 11.49% for purchases and balance transfers.

No Balance Transfer Fee

No International Transaction Fee


Read Disclosures

After the intro period, a variable APR of 9.49% for purchases and balance transfers.

1% Balance Transfer Fee


Read Disclosures
Standard variable APR of 13.49% for purchases and balance transfers.

3% Balance Transfer Fee

Read Disclosures

Our Platinum Visa features a low APR.

Earn 1% Cash Back on all eligible purchases.

Signature Rewards Visa is our exclusive credit card reserved for those who meet special criteria and also features our generous Pure Perks program.

Learn about the Full Signature Experience from Elements

The Riley Children's Foundation credit card benefits children, families and researchers associated with Riley Hospital for Children.

Learn more about Riley Children's Foundation at rileykids.org.

 

All Elements Financial's Credit Cards Feature

  • Low competitive rates
  • Entire monthly payment applied to your highest interest balance first
  • No interest charged on your interest
  • No Annual Fee
  • No Penalty Rates
  • Fraud Alerts: Enroll for Fraud Alerts to trigger a text anytime a transaction on your card is deemed to be a risk. You'll have the chance to confirm it or report it as possible fraud. If the latter, a hold will be placed on your account to prevent further activity until we can resolve the situation. To enroll in Fraud Alerts for your Elements Visa Credit Card, just log in to MyCardInfo within eBranch; go to the Account Services tab; and select Fraud Alerts.

*Credit Card Related $300 Cash Back Value Offer — requiring at least 10 card purchase transactions totaling at least $1,000 within 90 days of card approval — will be fulfilled as a $300 statement credit. Secured Card excluded. Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow 4-6 weeks for receipt of statement credits. If account is closed within six months, we reserve the right to deduct the bonus at that time. Product offers cannot be combined with other promotional offers for the same product. One offer per household. Existing Elements credit cardholders not eligible.

†) Elements Visa Credit Card introductory rate good for six months. Rates effective January 4, 2017. 1) Annual Percentage Rate. 2) After promotional period your Standard variable APR for Purchases and Balance Transfers will be 13.49% for Cash Rewards Visa; 9.49% for Platinum Visa; 11.49% for Signature Rewards Visa; and 9.49% for Riley Children's Foundation Visa. APR will vary with the market based on the Prime Rate as published in The Wall Street Journal. 3) Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms and conditions apply.


Planning travel? Call us in advance: (800) 621-2105 or (317) 276-2105
Card Transaction Denied: (866) 570-1238
Lost or Stolen Card: (866) 570-1238
If you suspect fraud: (866) 570-1238
Pure Perks Rewards: (855) 814-5597
Other Questions or Concerns: (866) 570-1238

To make payments to your Elements Financial credit card, send them payable to:
Elements Financial Federal Credit Union
PO Box 10324
Des Moines, IA 50306-0324