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  Elements Signature Rewards Visa Indianapolis Indians Signature Rewards Visa Elements Platinum Visa Elements Cash Rewards Visa Butler University Rewards Visa Elements Secured Visa
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Key Benefit Earn rewards for purchases, e.g. travel and gift cards Pay with pride and support the Indianapolis Indians, plus earn rewards for purchases Pay off your balance sooner with a low rate Earn cash back for purchases1 Earn rewards and show your Butler pride! Improve your credit score
Intro APR for Purchases & Balance Transfers 0% Intro APR for 18 Months on Purchases & Balance Transfers2 0% Intro APR for 18 Months on Purchases & Balance Transfers2 0% Intro APR for 18 Months on Purchases & Balance Transfers2 0% Intro APR for 18 Months on Purchases & Balance Transfers2 0% Intro APR for 18 Months on Purchases & Balance Transfers2 No intro offer period
Variable APR After Intro Period 14.74%3 variable APR after 18-month Intro Period 14.74%4 variable APR after 18-month Intro Period 12.74%5 variable APR after 18-month Intro Period 16.74%6 variable APR after 18-month Intro Period 14.74%7 variable APR after 18-month Intro Period 16.74%8
Rewards Features Pure Perks Rewards where you can earn 1.50 points to the dollar with every purchase.9 Features many special perks for you to enjoy at Victory Field and our Pure Perks Rewards program where you can earn 1.50 points to the dollar with every purchase.10 — Earn 1% cash back on every eligible purchase with Pure Perks1 Earn 1% cash back on every eligible purchase with Pure Perks11 —
Balance Transfer Fee 4%12 4%13 4%14 4%14 4%15 3%16
No Annual Fee
Special Feature No international transaction fee No international transaction fee plus $100 Donation to support the Indianapolis Indians Charities17 No late payment fee — No international transaction fee Initial account funding required to help build credit
Auto Rental Collision Damage Waiver
Cardholder Inquiry Service
Emergency Card Replacement
Lost or Stolen Card Reporting
Purchase Security
Zero Liability Policy
Roadside Dispatch
Travel & Emergency Assistance Services
Travel Accident Insurance
Lost Luggage Replacement — — — —
Extended Warranty Protection — — — —
Year-end Summary Statement — — — —
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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 Information —  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 16.74% for Cash Rewards Visa; 14.74% for Butler University Rewards Visa; 12.74% for Platinum Visa; 14.74% for Signature Rewards Visa; and 12.74% for Riley Children's Foundation Visa. Rates effective November 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  3. 3 Signature Rewards Visa Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 14.74% for Signature Rewards Visa. Rate effective November 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  4. 4 Indianapolis Indians Signature Rewards Visa Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 14.74% for Signature Rewards Visa. Rate effective November 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  5. 5 Platinum Visa Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 12.74% for Platinum Visa. Rate effective November 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  6. 6 Cash Rewards Visa Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 16.74% for Cash Rewards Visa. Rate effective November 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  7. 7 Butler University Rewards Visa Introductory APR (Annual Percentage Rate) good for 18 months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 14.74% for Butler University Rewards Visa. Rate effective November 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  8. 8 APR stands for Annual Percentage Rate. Subject to credit approval. Additional limitations, terms, and conditions apply. Rate effective November 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.
  9. 9 Signature Rewards Visa Credit Card Rewards — You earn 1.50 points for every dollar you spend on eligible purchases. This resets at the end of each calendar year. Statement Credits and Deposits to Elements Accounts can be redeemed for as low as $50 (5,000 point equivalent). Gift Cards can be redeemed for as low as $25 (2,500 point equivalent). Redemption for Travel is also available. Transactions that do not earn Pure Perks points include PIN-based transactions, cash advances, balance consolidation checks, money order/wires, gaming chips. Visit the rewards portal page for details.
  10. 10 Indianapolis Indians Signature Rewards Visa Credit Card Rewards — You earn 1.50 points for every dollar you spend on eligible purchases. This resets at the end of each calendar year. Statement Credits and Deposits to Elements Accounts can be redeemed for as low as $50 (5,000 point equivalent). Gift Cards can be redeemed for as low as $25 (2,500 point equivalent). Redemption for Travel is also available. Transactions that do not earn Pure Perks points include PIN-based transactions, cash advances, balance consolidation checks, money order/wires, gaming chips. Visit the rewards portal page for details.
  11. 11 Butler University Rewards Visa Credit Card Cash Back: 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. 
  12. 12 Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: 4% on each Balance Transfer. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.
  13. 13 Indianapolis Indians Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: 4% on each Balance Transfer. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.
  14. 14 Platinum and Cash Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: 4% on each Balance Transfer. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Credit Card Foreign Transaction: 1% of each Foreign Transaction in U.S. dollars.
  15. 15 Butler University Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: 4% on each Balance Transfer. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.
  16. 16 Secured Visa Credit Card Transaction Fees — Credit Card Balance Transfer: 3% or a minimum of $5.00. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Credit Card Foreign Transaction: 1% of each Foreign Transaction in U.S. dollars.
  17. 17 Indianapolis Indians Charities Contribution  — Upon completion of at least 10 card purchase transactions totaling at least $1,000 within 90 days of card approval, a $100 corporate contribution from Elements directly to Indianapolis Indians Charities will be activated.