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  Elements Signature Rewards Visa Elements Platinum Visa Elements Cash Rewards Visa Elements Secured Visa Elements Riley Children's Foundation Visa
Key Benefit Earn rewards for purchases, e.g. travel and gift cards Pay off your balance sooner with a low rate Earn cash back for purchases1 Improve your credit score Supports the great work of Riley Children's Foundation
Intro APR for 6 months for Purchases & Balance Transfers2 0% 0% 0% No intro period 0%
Variable APR After 6-month Intro Period 12.74% 10.74% 14.74% 14.74% 10.74%
Cash Back Offer3 $300 cash bonus $300 cash bonus $300 cash bonus $300 cash bonus
Balance Transfer Fee None4 None5 None5 3%6 1%7
No Annual Fee
Special Feature No international transaction fee No late payment fee Initial account funding required to help build credit
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  1. 1 Cash Rewards Visa Card Details: 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 Elements Visa Credit Card introductory rate good for six months. Annual Percentage Rate. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After promotional period your Standard variable APR for Purchases and Balance Transfers will be 14.74% for Cash Rewards Visa; 10.74% for Platinum Visa; 12.74% for Signature Rewards Visa; and 10.74% for Riley Children's Foundation Visa. Rates effective July 4, 2018, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.
  3. 3 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. Existing Elements credit cardholders not eligible.  /  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 bonus. 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.
  4. 4 Signature Rewards Visa Credit Card Transaction Fees: Credit Card Balance Transfer: None Credit Card ATM Cash Advance: Up to 3% for each ATM Cash Advance or a minimum of $5.00 Credit Card Over the Counter Cash Advance: Up to 3% for each Over the Counter Cash Advance or a minimum of $5.00 Credit Card Cash Equivalent: Up to 3% for each Cash Equivalent transaction or a minimum of $5.00
  5. 5 Platinum and Cash Rewards Visa Credit Card Transaction Fees: Credit Card Balance Transfer: None Credit Card ATM Cash Advance: Up to 3% for each ATM Cash Advance or a minimum of $5.00 Credit Card Over the Counter Cash Advance: Up to 3% for each Over the Counter Cash Advance or a minimum of $5.00 Credit Card Cash Equivalent: Up to 3% for each Cash Equivalent transaction or a minimum of $5.00 Credit Card Foreign Transaction: 1% of each Foreign Transaction in U.S. dollars.
  6. 6 Secured Visa Credit Card Transaction Fees: Credit Card Balance Transfer: 3% or a minimum of $5.00 Credit Card ATM Cash Advance: Up to 3% for each ATM Cash Advance or a minimum of $5.00 Credit Card Over the Counter Cash Advance: Up to 3% for each Over the Counter Cash Advance or a minimum of $5.00 Credit Card Cash Equivalent: Up to 3% for each Cash Equivalent transaction or a minimum of $5.00 Credit Card Foreign Transaction: 1% of each Foreign Transaction in U.S. dollars.
  7. 7 Riley Children's Foundation Visa Credit Card Transaction Fees: Credit Card Balance Transfer: 1% or a minimum of $5.00 Credit Card ATM Cash Advance: Up to 3% for each ATM Cash Advance or a minimum of $5.00 Credit Card Over the Counter Cash Advance: Up to 3% for each Over the Counter Cash Advance or a minimum of $5.00 Credit Card Cash Equivalent: Up to 3% for each Cash Equivalent transaction or a minimum of $5.00 Credit Card Foreign Transaction: 1% of each Foreign Transaction in U.S. dollars.