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Credit Cards

Find the perfect fit for your purchases.

Credit Cards Purchases Balance Transfers
Introductory APR for 6 Months  Variable APR after 6-Month Intro Period  Introductory APR for 6 Months  Variable APR after 6-Month Intro Period  Balance Transfer Fee 
Cash Rewards Visa 0% 13.99% 0% 13.99% 0%
Signature Rewards Visa 0% 11.99% 0% 11.99% 0%
Platinum Visa 0% 9.99% 0% 9.99% 0%
Riley Children's Foundation Visa 0% 9.99% 0% 9.99% 1%
Secured Visa No intro period 13.99% No intro period 13.99% 3%

Elements Visa Credit Card introductory rate good for six months. 1) Annual Percentage Rate. 2) Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 3) After promotional period your Standard variable APR for Purchases and Balance Transfers will be 13.99% for Cash Rewards Visa; 9.99% for Platinum Visa; 11.99% for Signature Rewards Visa; and 9.99% for Riley Children's Foundation Visa. APR will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.

Get Cash Back!

Cash Rewards Visa

Overview

  • Earn 1% cash back automatically for your everyday purchases1
  • $300 Cash Bonus2
  • 0% Intro APR for 6 months on purchases and balance transfers
  • After the intro period, a variable APR of 13.99% for purchases and balance transfers
  • No balance transfer fees and no annual fee

A Good Option If:

  • You want to earn cash back for purchases
  • Trade-off: Slightly higher rate than a credit card that doesn’t offer cash back
Cash Rewards Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  13.99%
Balance Transfer Fee  0%

Cash Rewards Visa introductory rate good for six months. 1) Annual Percentage Rate. 2) Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 3) After promotional period your Standard variable APR for Purchases and Balance Transfers will be 13.99% for Cash Rewards Visa. APR will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.

Get Cash Back or Earn Rewards!

Signature Rewards Visa

Overview

  • Earn rewards for your everyday purchases
  • $300 Cash Bonus2
  • 0% Intro APR for 6 months on purchases and balance transfers
  • After the intro period, a variable APR of 11.99% for purchases and balance transfers
  • No balance transfer fees and no annual fee

A Good Option If:

  • You want to earn rewards for purchases, such as travel and gift card rewards from Pure Perks Rewards
  • You want to have access to complementary Visa® Signature Concierge Service, deals, and offers
  • Trade-off: Slightly higher rate than a credit card that doesn’t offer rewards
Signature Rewards Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  11.99%
Balance Transfer Fee  0%

Signature Rewards Visa introductory rate good for six months. 1) Annual Percentage Rate. 2) Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 3) After promotional period your Standard variable APR for Purchases and Balance Transfers will be 11.99% for Signature Rewards Visa. APR will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.

Lowest Rate!

Platinum Visa

Overview

  • Featuring our lowest rate
  • No late fee if you miss a payment
  • $300 Cash Bonus2
  • 0% Intro APR for 6 months on purchases and balance transfers
  • After the intro period, a variable APR of 9.99% for purchases and balance transfers
  • No balance transfer fees and no annual fee

A Good Option If:

  • You want to pay off your credit card balance sooner with a low rate
  • Trade-off: Doesn’t offer cash back or rewards
Platinum Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  9.99%
Balance Transfer Fee  0%

Platinum Visa introductory rate good for six months. 1) Annual Percentage Rate. 2) Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 3) After promotional period your Standard variable APR for Purchases and Balance Transfers will be 9.99% for Platinum Visa. APR will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.

Overview

  • The card that benefits Riley Children's Foundation with a low rate for you
  • $300 Cash Bonus2
  • 0% Intro APR for 6 months on purchases and balance transfers
  • After the intro period, a variable APR of 9.99% for purchases and balance transfers
  • Low 1% balance transfer fee and no annual fee

A Good Option If:

  • You want to support the great work of the Riley Children’s Foundation. The Balance Transfer fee goes straight to Riley.
  • Trade-off: Not the best option if you want to transfer a balance
Riley Children's Foundation Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  9.99%
Balance Transfer Fee  1%

Riley Children's Foundation Visa introductory rate good for six months. 1) Annual Percentage Rate. 2) Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 3) After promotional period your Standard variable APR for Purchases and Balance Transfers will be 9.99% for Riley Children's Foundation Visa. APR will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.

Build Your Credit

Secured Visa

Overview

  • A secured credit card that allows you to build credit over time
  • You deposit funds to an Elements account as a security deposit, which becomes the card’s credit limit
  • Your payment and balance history reports to credit bureaus
  • Standard variable APR of 13.99% for purchases and balance transfers (will never be over 18%)
  • 3% balance transfer fee
  • No annual fee

A Good Option If:

  • You want to build your credit
  • Tradeoff: Requires an account deposit, which is held as collateral for your account
  1. 1 1% cash back on every eligible purchase. No enrollment required. All cardholders are eligible when they make their first eligible purchase. Eligible purchases are net purchases (reduced by merchant returns and adjustments). Purchases do not include cash advances, balance card transfers, use of convenience checks and are exclusive of any fees and finance charges we impose. Cash back rewards are payable to you by reducing your credit card balance. However, rewards will not reduce the monthly payment amount unless the total credit card balance is less than the payable cash back reward amount. The rewards are effective the date you become eligible for the program and are payable as per the billing cycle end-date printed on your statement. Cash back reward amounts less than $25 will not be paid during a billing cycle. Rewards will accumulate and will be payable to you once your reward balance is $25 or more. If a reward balance is less than $25, it will expire 5 years from the month earned. Eligibility is restricted to accounts that are open and in good standing. Any accumulated points will be forfeited if the account is closed before the next $25 increment is paid. Additional terms and conditions may apply.
  2. 2 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 the 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.