Business Credit Cards

*Subject to credit approval.
1. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
2. Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 reward point (“point”) for each dollar of eligible net purchases charged to your account during each billing cycle. Net purchases are purchases minus credits and returns. You will also earn 1 additional point (for a total of 2 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in the merchant category code of supermarkets. The number of additional points earned on supermarket purchases is unlimited. In addition, you will earn 2 additional points (for a total of 3 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12 month period commencing on the anniversary date of this account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12 month period) will earn at a rate of 1 point for each dollar of net purchases charged to your account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.
3. Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers of cash advances. One time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.
4. The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death.)
5. Real Rewards: You will earn net 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
6. Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a ”Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.

The creditor and issuer of these credit cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa USA, Inc.