Skip to main content

Signature Rewards Visa

The only credit card you'll ever need. It's your anytime, anywhere, card.

Apply Now

Or call 1-800-621-2105

Signature Rewards Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  10.99%
Balance Transfer Fee  0%

Signature Rewards 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 10.99% for Signature Rewards Visa. Rate effective December 1, 2020, 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.

Signature Rewards Visa

Earn rewards for your purchases for travel, gift cards or cash back.


  • Earn 1.5% cash back and rewards for your everyday purchases
  • $200 Cash Bonus just by using your card1
  • 0% Intro APR for 6 months on purchases and balance transfers
  • After the intro period, a variable APR of 10.99% for purchases and balance transfers
  • No international transaction fees2
  • No balance transfer fees2
  • No annual fee2


  • You want to earn rewards for purchases, such as travel, gift cards, and cash back rewards
  • You want to have access to complimentary Visa® Signature concierge services, deals, and offers 
  • Trade-off: Slightly higher rate than a credit card that doesn’t offer rewards

Compare to Other Credit Cards

How does the Signature Rewards Visa compare to other credit card options?

The Signature Rewards Visa comes with a Pure Perks program that lets you earn 1.50 points per every dollar spent for you to use for statement credits, gift cards, or travel. Some other options earn just 1 point for every dollar spent. It has a slightly higher interest rate than a credit card without rewards.

  Elements Signature Rewards Visa Indianapolis Indians Signature Rewards Visa Elements Platinum Visa Elements Cash Rewards Visa
Key Benefit 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 Earn cash back for purchases3
Intro APR for 6 months for Purchases & Balance Transfers4 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 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. Earn 1%3 cash back on all eligible purchases.
Balance Transfer Fee None2 None5 None6 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 $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

How can I use the points I earn with Pure Perks Rewards?

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

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

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.

What fees can I expect?

No International Transaction, Balance Transfer and Annual Fees

The Signature Rewards Visa has no international transaction fees, no balance transfer fees, and no annual fee! That means that you can use your Signature Rewards Visa 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 issued 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.

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 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

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.

Digital Wallet Options

Elements offers a variety of digital wallet options to help add security and simplicity to your life—and we are constantly adding even more options. Your Elements credit card will let you make payments via Apple Pay, Google Pay, Samsung Pay, PayPal, Pay a Friend, Amazon Reload, and when you see this logoanywhere Visa is accepted online.


Learn More about Digital Wallet Options

It’s so nice to have a credit card that’s enabled with tap and Apple Pay technology. I left my card at home a couple weeks ago and used Apple Pay to buy my groceries. It was a lifesaver!

- Alex P. | Member since 2009

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

Credit Card Payoff Calculator


Total interest $____

Upcoming Event

View All Events

  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 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.
  3. 3 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.
  4. 4 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 December 1, 2020, 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 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