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Visa® Everyday Rewards+ Credit Card
Earn rewards on everyday purchases. Earn up to 4x points on everyday spending.¹ And, with our Visa® Everyday Rewards+ Credit Card, don't worry about points caps²—you won't ever have a cap on points! Redeem your rewards however you choose—as cash back, a handy gift card or even travel.
Earn rewards every time you use your card. Earn up to 4x points on everyday spending.
Full benefits³
4x unlimited points on dining, take-out & food delivery.¹
2X unlimited points at grocery stores, grocery delivery, gas stations and streaming services.¹
1x unlimited points on all other eligible purchases.¹
Earn $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening.⁴
No points caps.
Points expire in five years.
Redemption Options—Cash, gift cards, merchandise, airfare or our Choose Your Own Rewards option.
Cash Rewards—Minimum redemption 2,500 points = $25, redeem in increments of $25, can be statement credit or ACH deposit.
Choose Your Own Rewards—Redeem points for a statement credit in the amount of any purchase.
Airline Tickets—25,000 points = $250 ticket
No blackout dates, no airline restrictions, no Saturday night stay requirements, no advanced booking requirement, no seating restrictions, no origination or destination restrictions. Above $250, redeem at a point conversion rate of 1 percent. For instance, a $400 ticket would be 40,000 points.
Enjoy getting your rewards as cash back, or as a gift card.
Choose from iTunes, Marriot, Kohl's, Amazon and other great retailers for your gift card.
Concierge—Complimentary 24/7/365 access to a wide range of personalized services, including entertainment planning, business services, gift arrangements, specialty services and travel information.
Lost Luggage Reimbursement—Up to $3,000 reimbursement for the actual cost of repairing or replacing your checked or carry-on luggage and personal property contained therein that is lost or damaged. Coverage begins when the luggage is checked in or carried onto the common carrier by you.
Roadside Dispatch—Available only when traveling in the 50 United States and the District of Columbia. If your car breaks down on the road, just call and tell us where you are. We'll send someone to the rescue.
Auto Rental Discounts—Alamo, Hertz and National.
Signature Access—Offers entry to exclusive, unique experiences as well as preferred access to the best seats at sports, entertainment and cultural venues.
Signature Fine Wine & Food—Complimentary Zagat Survey restaurant rating and reviews. Plus, a host of fine wine and food experiences.
Signature Privileges—Provides cardmembers with special offers, opportunities and upgrades from participating merchants.
Merchant Discounts—Merchant discounts when you use your card—coupons available online.
Online and Mobile Account Access—Download transactions, statements, make a payment or establish automatic payments. Establish alerts for online statements, payment due, payment posted, payment overdue, balance exceeds, credit posted or debit posted. Plus, request credit limit increase, balance transfer, add authorized user or joint owner and manage your rewards.
Year-end Summary—Receive an online detailed summary of your spending during the year for convenient budget analysis and financial planning.
Emergency Card Replacement & Cash Disbursement—Provides worldwide, 24-hour assistance with lost and stolen card reporting, emergency card replacement and emergency cash advance.
Lost/Stolen Card Reporting—Visa will forward reports of lost or stolen cards to the appropriate card Issuers.
Zero Liability/Fraud Protection⁵—Zero liability from fraud and protection from unauthorized use of your card or account information.
ID Navigator Powered by NortonLifeLock⁶—providing tools so you can act quickly if your identity is threatened.
Contactless—Tap your credit card anywhere you see the contactless symbol. 
EMV smart chip technology—for added security.
Call 800-236-8866
Customer Care Center
You will earn 1 Point for every dollar in eligible net purchases charged to your account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 3 additional Points for every dollar in eligible net purchases during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 1 additional Point for every dollar in eligible net purchases during each billing cycle at merchants classified as a gas or EV charging station, grocery store, supermarket or qualifying streaming subscription service. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Points expire five years from the end of the quarter in which they are earned.
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 Rewards, and you will immediately lose all of your Rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Rewards expire five years from the end of the quarter in which they are earned.
Certain limitations and restrictions may apply.
If you’re approved for a new Everyday Rewards+ Card, one-time 15,000 bonus points will be awarded after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.
Elan Financial Services provides Zero Fraud Liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
No one can prevent all identity theft.
Subject to credit approval. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
Visa and the Visa logo are registered trademarks of Visa International Service Association.