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Riley Children's Foundation Visa

The credit card that benefits Riley Children's Foundation with a low rate for you.

Apply Now

Or call 1-800-621-2105

Riley Children's Foundation Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  8.99%
Balance Transfer Fee  1%

Riley Children's Foundation Visa introductory rate good for six months. APR stands for 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 8.99% for Riley Children's Foundation Visa. Rate effective April 1, 2021, 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.

Riley Children's Foundation Visa

Supports the great work of Riley Children's Foundation.

CARD BENEFITS

  • Support Riley Kids and the Riley Children's Foundation
  • $200 Cash Bonus1
  • 0% Intro APR for 6 months on purchases and balance transfers
  • After the intro period, a variable APR of 8.99% for purchases and balance transfers2
  • Low 1% balance transfer fee2 that goes directly to Riley
  • No annual fee

MAY BE A GOOD CHOICE 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 a fee-free option to transfer a balance due to the charitable aspect of the card.

Compare to Other Credit Cards

How does the Riley Children’s Foundation Visa compare to other credit card options?

This credit card has a low APR and lets you feel good about your purchases because they benefits the Riley Children’s Foundation.

  Elements Riley Children's Foundation Visa Elements Signature Rewards Visa Indianapolis Indians Signature Rewards Visa Elements Platinum Visa
Key Benefit Supports the great work of Riley Children's Foundation Earn rewards for purchases, e.g. travel and gift cards Pay with pride and support the Tribe, plus earn rewards for purchases Pay off your balance sooner with a low rate
Intro APR for 6 months for Purchases & Balance Transfers3 0% 0% 0% 0%
Variable APR After 6-month Intro Period 8.99% 10.99% 10.99% 8.99%
Cash Back Offer1 $200 cash bonus $200 cash bonus $200 cash bonus $200 cash bonus
Rewards Features Pure Perks Rewards where you can earn 1.50 points to the dollar with every purchase. 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.
Balance Transfer Fee 1%2 None4 None5 None6
No Annual Fee
Special Feature No international transaction fee No international transaction fee plus $100 Donation to support the Indianapolis Indians Charities7 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 $100,000

Covering up to $250,000

Covering up to $250,000

Covering up to $100,000

Lost Luggage Replacement
Extended Warranty Protection
Year-end Summary Statement

Riley Hospital holds a special place in my heart. How does this card support their great work?

When you transfer a balance to your new Riley Children’s Foundation Visa, the transfer fee goes directly to the foundation.

What fees can I expect?

No Annual Fee2

The Riley Children’s Foundation Visa has no annual fee.

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.

Balance Transfer Fee

If you transfer the balance from an existing credit card when your open a Riley Children’s Foundation Visa, you will incur a fee equal to 1% of the amount being transferred. That fee is then donated to the Riley Children’s Foundation to benefit their work.

International Transaction Fees

When you travel internationally, you will be charged a fee of 1% of the charged amount for each international transaction. 

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.

What kind of fraud protection is included?

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 with Card Control

Card Control is a companion app to our Online Banking app that allows you to control when, where, and how your Elements credit and debit cards are used. Instantly turn them off and on, set controls on usage, and establish alerts for a variety of card activities. Learn more about Card Control.

Online Shopping Secured with 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.

Why should I choose Elements for a credit card?

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 nationally8. 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

How do I apply for a card?

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. 

Learn More about Online Banking   Enroll in Online Banking

   

 

Apply Now

How do I set up transaction alerts for my Elements credit cards?

Card Control App Icon Hint: Download the super-helpful Card Control app.

You can set up alerts about your credit card using the Card Control app. The Card Control app is a companion app to the Elements Online Banking app that allows you to control when, where, and how your Elements credit and debit cards are used. Instantly turn them off and on, set controls on usage, and establish alerts for a variety of card activities.

  • Locations – set alerts to notify you if a debit card transaction occurs in an unexpected location, such as outside the US, or even in-store if your device isn’t present during the transaction.
  • Merchant Types – receive a notification when your Elements credit or debit cards are used at specific merchant types like retail stores, gas stations, grocery stores, restaurants, etc.
  • Transaction Types – get an alert when your card is used for specific transaction types, such as in-store, online, mail/phone order, auto pay, or at an ATM.
  • Spending Limit – set spend alerts to know if your Elements credit or debit card has had a transaction that exceeds a set limit or when your monthly limit has been exceeded.

 

How to Set Card Control Alerts

  1. On the opening screen of the Card Control app, click on the card for which you want to set an alert.
  2. On the next screen, select “Controls & Alerts,” then “Alert Preferences.”
  3. On the line that says “Send alerts for,” tap the button on the right (the button will say “None” if you have no alerts set).
  4. If you’d like to receive alerts for all card transactions, choose “All Transactions” in the drop-down.
  5. To select which alerts you‘d like to receive, choose “Selected Transactions” in the drop-down. Then click on the type of alert you’d like to set (Locations, Merchant Types, Transaction Types, or Spend Limits) and follow the prompts.
  6. That’s it, your alerts are set! You will receive the alerts you set up in the Card Control app via a push notification that pops up on the home screen of your mobile device.

Setting Card Control AlertsSetting Card Control Alerts

 

How to Get the Card Control App

If you don’t already have the Card Control app, you can download the app from your mobile device in Google Play or the Apple Store. Make sure you are already an active user of the Elements mobile app before downloading the Card Control app. Get complete installation instructions here.

Read more frequently asked questions about credit cards…

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.

It's awesome to be able to support Riley in my wallet every day. The team there helped save my son's life.

- Alan I. | Member since 2014

How Long Will it Take to Pay Off My Credit Card?

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  1. 1 Credit Card Related $200 Cash Bonus Value Offer — requiring at least 10 card purchase transactions totaling at least net $1,000 within 90 days of card approval — will be fulfilled as a one-time $200 statement credit. Statement credit will not reduce your monthly payment. If the account is closed within six months, we reserve the right to add the amount of the statement credit back to your account balance at that time. Secured Credit Card excluded. Existing or previous 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 after qualifications are met for receipt of a statement credit. Product offers cannot be combined with other promotional offers for the same product. One offer per household.
  2. 2 Riley Children's Foundation Visa Credit Card Transaction Fees — Credit Card Balance Transfer: 1% 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.
  3. 3 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 12.99% for Cash Rewards Visa; 12.99% for Butler University Rewards Visa; 8.99% for Platinum Visa; 10.99% for Signature Rewards Visa; and 8.99% for Riley Children's Foundation Visa. Rates effective April 1, 2021, 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 Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: None. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.
  5. 5 Indianapolis Indians Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: None. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.
  6. 6 Platinum and Cash Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: None. 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.
  7. 7 Indianapolis Indians Charities Contribution  — Upon meeting the qualifications for the cash bonus offer, a $100 corporate contribution from Elements directly to Indianapolis Indians Charities will be activated.
  8. 8 Based on asset size as of 1/31/2020