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The new Elements Financial website, rebuilt with you in mind, has arrived. — The scheduled upgrade to Elements Online Banking is also now availableLearn more about the upgrade.

Cash Rewards Visa

Earn cash back for your everyday purchases.

Apply Now

Or call 1-800-621-2105

Request a Credit Line Increase

Cash Rewards Visa

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.

Cash Rewards VisaKEY BENEFITS

  • Earn 1% cash back1 on all eligible purchases.
  • Unlimited earning with no cap on the amount you spend or cash back earned
  • Cash back rewards are automatically credited to your account with no effort on your part. 

    No more forgetting to redeem points, no more having to log in. Simple, easy, rewarding.
  • Get $300 Cash Bonus just by using your card2

CREDIT CARD DETAILS

  • 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 fee, no annual fee, and no penalty pricing3
  • Rewards payable starting at just $25

Questions?

Our experienced, helpful member service team is ready to support you!

1-800-621-2105

Live Chat

Chat Available Mon-Fri, 8 am-5 pm Eastern

Special Features

Elements Cash Rewards Visa® holders enjoy the following features when using their card:

  • Auto Rental Collision Damage Waiver
  • Cardholder Inquiry Service
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Lost/Stolen Card Reporting
  • Purchase Security
  • Roadside Dispatch
  • Travel Accident Insurance (covering up to $100,000)
  • Travel and Emergency Assistance Services
  • Visa Zero Liability Fraud Protection 


Using Your Credit Card

 

Digital Payments

Elements offers a variety of digital payment options to help add security and simplicity to your life—and we are constantly adding even more options. For instance, your credit card lets you make payments via:

  • Apple Pay
  • Android Pay
  • Samsung Pay
  • Visa Checkout
  • PayPal

Learn more on our Digital Payment Options page.

 

At the Register

You can swipe, dip, or tap your Elements credit card to make payments at most credit card terminals.

 

Making Payments

Access Elements Online Banking to pay your credit card, or send a check made payable to:

Elements Financial Federal Credit Union
PO Box 10324
Des Moines, IA 50306-0324

 

Safety and Security with Elements

Chip Cards
Get big protection in a tiny chip. Elements issues credit and debit cards with chip technology built right in. This tiny chip will protect your card's information in a big way.

  • Count on Enhanced Fraud Protection — When you use your chip card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This helps prevent stolen data from being fraudulently used.
  • Enjoy Global Acceptance — More places than ever accept Visa credit and debit cards. Whether you check out using chip technology, Visa payWave to tap and go, or swipe your card, you can pay with confidence worldwide.

Plus, you're protected against unauthorized use with Visa's Zero Liability Fraud Protection.


Visa® Credit Card Fraud Alerts
Real-time fraud alerts for our Visa credit cards. With a text alert, you can help prevent fraudulent transactions from occurring on your cards. The service is free and enrollment is easy.

Learn More about Fraud Alerts


Transaction Alerts
Have alerts sent to your email address or mobile device when your card is used.

Enroll within MyCardInfo in Online Banking


Verified by Visa
Activating Verified by Visa to protect you against unauthorized purchases when shopping online is quick and easy.

Activate Verified by Visa

Assistance for Card Holders

Call us at 1-866-570-1238 if you have any of the following needs or concerns.

  • Planning travel? Call us in advance. 
  • Card Transaction Denied
  • Lost or Stolen Card
  • If you suspect fraud
  • Questions or Concerns

How to Get Started

You can apply online in as little as 10 minutes! Or call 1-800-621-2105 to get started.

What you’ll need to apply:

  • Your government-issued ID (driver’s license, state ID or passport)
  • Social Security number

What to expect during the application process:

  1. We’ll contact you within 1 business day to notify you of account approval or gather additional information that may be needed.
  2. That’s it – your Cash Rewards Visa® is ready to use!
  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.
  3. 3 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.