Indianapolis Indians Signature Rewards Visa

First, it’s the only card that lets you show your tribe pride with every purchase. Additionally, you earn 1.5 points for every dollar spent to redeem in rewards.

	Indianapolis Indians Signature Rewards Visa	Elements Signature Rewards Visa	Elements Platinum Visa	Elements Cash Rewards Visa
	Apply Now	Apply Now	Apply Now	Apply Now
Key Benefit	Pay with pride and support the Tribe, plus earn rewards for purchases	Earn rewards for purchases, e.g. travel and gift cards	Pay off your balance sooner with a low rate	Earn cash back for purchases9
Intro APR for 6 months for Purchases & Balance Transfers10	0%	0%	0%	0%
Variable APR After 6-month Intro Period	10.99%	10.99%	8.99%	12.99%
Cash Back Offer1	$200 cash bonus	$200 cash bonus	$200 cash bonus	$200 cash bonus
Rewards	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.	Features Pure Perks Rewards where you can earn 1.50 points to the dollar with every purchase.	—	Earn 1%9 cash back on all eligible purchases.
Balance Transfer Fee	None2	None11	None12	None12
No Annual Fee
Special Feature	No international transaction fee plus $100 Donation to support the Indianapolis Indians Charities3	No international transaction fee	No late payment fee	—
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	Covering up to $250,000	Covering up to $250,000	Covering up to $100,000	Covering up to $100,000
Lost Luggage Replacement			—	—
Extended Warranty Protection			—	—
Year-end Summary Statement			—	—
	Apply Now	Apply Now	Apply Now	Apply Now

You already know how fun it is to attend games at Victory Field. When you use your Indianapolis Indians Signature Rewards Visa, you add to the fun with special perks. First, you’ll get a $4 discount when you purchase Indianapolis Indians tickets. Second, when you use your card, you’ll be entered into a drawing for the opportunity to throw out the first pitch at a Wednesday home game. You also get free popcorn and soda at the Wednesday games, as well as $10 off any purchase of $50 or more at the team shop. Plus, Elements will donate $100 to Indianapolis Indians Charities to each card opened.

Pure Perks is our Signature Rewards Visa credit card rewards program. There’s nothing special to do -- Pure Perks gives you an opportunity to earn points just for using your card! You can redeem those points for statement credits, gift cards, and travel.

How it Works

You'll earn 1.50 points per $1 for every eligible purchase.1 Earn points while on family trips, shopping at the grocery store, making home improvements — nearly anything. Each month, your statement will reflect the points you've earned and total points accumulated. You can redeem your points starting as low as $25.2

View Available Rewards

If you'd like to preview what rewards are available, visit the rewards portal page and browse through the travel, gift card, and cash reward options. You do not need a login to browse.

Your Points Balance

To view your current point balance or to redeem points, log in to Online Banking on your computer or via the mobile app. Click on your credit card account tile on the homescreen or  in the navigation menu on the left click “Loan & Credit Cards” then “Manage Visa Card.”

Learn More about Pure Perks

Chip Cards

Get big protection in a tiny chip. Elements credit cards have chip technology built right in. This tiny chip will protect your card's information in a big way. 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. Plus, you're protected against unauthorized use with Visa's Zero Liability Fraud Protection.

Fraud Alerts

We offer near real-time fraud alerts for all Elements credit cards. With a quick text alert, you can help prevent fraudulent transactions from occurring on your cards. The service is free, and your card is automatically enrolled! How it works:

• A text message will be sent to your mobile device when there is a suspicious transaction identified on your account. 
• Simply reply to confirm whether or not you recognize the transaction(s).
• If you let us know that you do not recognize the transaction(s), we will block usage of your card until we hear from you.
• If you reply that you recognize the transaction(s), your card will remain available for use.
• If we don’t receive a response from you for the text message, we will reach out to you through email and phone to verify the suspicious transaction.
• If you would like to opt out of this service, just reply STOP to the text alert, or call us at 800-621-2105.

Transaction Alerts

You can also have alerts sent to your email address or mobile device whenever your card is used. Set up transaction alerts within online banking or the mobile app. Log in, click “Profile,” then “Set Alerts” to enroll.

Verified by Visa

Visa has developed a program that helps confirm your identity when you make an online purchase. This service helps make shopping online more secure by protecting against unauthorized use of your Visa card. There’s no need to download anything, install software or register. During an online purchase from your desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps Elements know you’re really you and most importantly it protects you from fraud.

No International Transaction, Balance Transfer and Annual Fees

The Indianapolis Indians Signature Rewards Visa has no international transaction fees, no balance transfer fees, and no annual fee! That means that you can use it wherever Visa is accepted without additional fees. You will pay only for the amount of your transaction unless you don’t pay off your balance, in which case the interest would be added. This is different from a fee, however.

No Penalty APR/Pricing

The Signature Rewards Visa does not apply a penalty APR, also known as penalty pricing. A penalty APR is an increased annual percentage rate that issuers may charge when a cardholder is late on payments. This can be put in place as soon as just one missed payment. A typical penalty APR is 29.99 percent, but it may be lower on some credit cards.

Late Payments

If you are late making a payment, you can be charged a late fee of up to $25.

Loss of Introductory Rate

It’s important that you make your payments on time. Otherwise, we may end your introductory rate and apply the standard APR disclosed above if you make a late payment.

Like a Bank, Only Better!

Better Rates. Fewer Fees.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

Trusted Advice. Fresh Approach.

We pride ourselves in being a trusted source for financial education. Your financial wellness expert will come to your workplace to answer questions and provide you with one-on-one assistance as you navigate the changes that come with each of life's stages.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally¹³. We serve members in all 50 states and 50+ countries. You’ll have access to 5,000+ shared branches nationwide and 78,000+ surcharge-free ATMs globally.

High Tech. Human Touch.

Our technology makes banking with Elements easy. From quick digital applications to online and mobile banking, we’ll be by your side wherever you go. We’re here for you with member service available 24/7 and live chat during the workday.

Get Started

Getting started is easy!

1. Apply for a card online. - You can apply online in as little as 10 minutes! Or call 1-800-621-2105 to get started. Have your government-issued ID (driver’s license, state ID, or passport) and your Social Security number ready.
2. Check your email.- You will receive an email within one business day to notify you of account approval or gather additional information that may be needed.
3. Get your card in the mail.- Once approved, you'll receive your Indianapolis Indians Signature Rewards Visa® in the mail within 10-14 days.
4. Enroll in online banking.-  Easily make payments on your credit card, check other Elements balances, pay bills and transfer money between accounts from your smartphone, tablet, laptop or desktop with Elements online banking and our mobile app. 

Apply Now   Enroll in Online Banking

How can I activate my credit card?

To activate your credit card, call 1-888-691-8661.

How do I make a credit card payment?

You can make your Elements credit card payments in several convenient ways. Call us with questions at 1-800-621-2105.

Pay your Elements credit card within online banking or the mobile app. 

• Log in, go to the Loans & Credit Cards menu and choose Manage Visa Card, or click your credit card account tile in your list of accounts. 
• You can make a one-time or recurring payment from your Elements account or other bank or credit union account.
• You can also set up automatic payments to be paid each month to avoid missing your payment and a possible late fee.

Mail a credit card payment. Make your check payable to:
Elements Financial FCU
PO Box 37035
Boone, IA 50037-0035

What do I do if my card is lost or stolen?

To report your credit card lost or stolen, please use Live Chat or call us toll-free at 1-866-570-1238.

I’m planning to travel and don’t want my purchases to be declined. How can I prevent that?

We understand that can be a frustrating experience! Elements offers 24/7 fraud monitoring on credit and debit cards. In order to ensure transactions you perform while traveling do not falsely trigger any fraud detection services, we recommend you advise us of your travel plans in advance. Call us toll-free in advance of your trip to inform us of any debit or credit card you will be using abroad at 1-800-621-2105.