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Cash Rewards Visa

Get a $200 Cash Bonus2 when you open and use a new Elements credit card

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Or call 1-800-621-2105

Cash Rewards Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  17.49%
Balance Transfer Fee  0%

Cash Rewards Visa Introductory APR (Annual Percentage Rate) good for six 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 17.49% for Cash Rewards Visa. Rate effective November 8, 2024, 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.

Cash Rewards Visa

Get rewarded for using your card wherever Visa is accepted.

CARD BENEFITS

  • Earn 1% cash back and rewards1
  • Unlimited earning with no cap on the amount you spend or cash back earned
  • $200 Cash Bonus just by using your card2
  • 0% Intro APR for 6 months on purchases and balance transfers
  • After the intro period, a variable APR of 17.49% for purchases and balance transfers3
  • No balance transfer fees4
  • No annual fee4
  • Convenience of paying at retailers with a tap, a swipe, or a chip

MAY BE A GOOD CHOICE IF

  • You want to earn rewards for purchases, such as travel, gift cards, and cash back rewards
  • Trade-off: Slightly higher rate than a credit card that doesn’t offer cash back

Compare to Other Credit Cards

Special Offer from logo for Elements Financial

Get a $200 Cash Bonus2 when you open and use a new Elements credit card
ELEMENTS CREDIT CARDS

Before opening the Cash Rewards Visa, I was using a debit card for everything. I quickly realized that I could earn tons of rewards with this card and now it's my go-to payment method.

- Lindsay A. | Member since 1999

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Results

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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 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.
  3. 3 Cash Rewards Visa Introductory APR (Annual Percentage Rate) good for six 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 17.49% for Cash Rewards Visa. Rate effective November 8, 2024, 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 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.
  5. 5 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 17.49% for Cash Rewards Visa; 17.49% for Butler University Rewards Visa; 13.49% for Platinum Visa; 15.49% for Signature Rewards Visa; and 13.49% for Riley Children's Foundation Visa. Rates effective November 8, 2024, 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 Signature Rewards Visa Introductory APR (Annual Percentage Rate) good for six 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 15.49% for Signature Rewards Visa. Rate effective November 8, 2024, 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 Indianapolis Indians Signature Rewards Visa Introductory APR (Annual Percentage Rate) good for six 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 15.49% for Signature Rewards Visa. Rate effective November 8, 2024, 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 Platinum Visa Introductory APR (Annual Percentage Rate) good for six 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 13.49% for Platinum Visa. Rate effective November 8, 2024, 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.
  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 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.
  12. 12 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.
  13. 13 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.
  14. 14 You earn 1.00 points for every dollar you spend on eligible purchases.
  15. 15 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.
  16. 16 Based on asset size as of 12/31/2022.