The fine print
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.
1 Business Cash Preferred Card: You will earn 3% cash back for every dollar in eligible net purchases at merchants classified as gas stations, office supply
stores, dining, restaurants, fast-food restaurants, bars, food delivery services and cell phone service providers. All other net purchases will earn 1% cash
back. Purchases at gas stations greater than $200 are not considered an automotive gasoline purchase and will therefore earn 1% cash back. Cash
rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within one to two billing
cycles, or as a statement credit to your credit card account within one to two billing cycles, a Rewards Card, Real-Time Rewards or Pay with Rewards when
you checkout with PayPal.
2 Business Cash Preferred and Smart Business Rewards Cards: Purchases qualify for Points based on how merchants choose to classify their business and we
reserve the right to determine which purchases qualify.
3 Business Cash Preferred Card: An automatic statement credit of $100 per 12-month period will be applied to your Business Cash Preferred Account within 2
statement billing cycles following 11 consecutive months of eligible software service purchases made directly with a software service provider. We reserve
the right to adjust or reverse any portion or all of any software services credit for unauthorized purchases or transaction credits.
4 Business Real Rewards and Business Cash Preferred Cards: First purchase bonus will be applied 6 to 8 weeks after first purchase and are not awarded for
balance transfers or cash advances. First use bonus is awarded only on the Authorized Officer purchases.
5 Business Real Rewards Card: You will earn 1.5 Points for every dollar in eligible net purchases charged to your Account during each billing cycle (equal to
1.5% cash back). Monthly net purchase points will be applied each billing cycle.
6 Business Real Rewards and Smart Business Rewards Cards: Reward points can be redeemed as a cash deposit to a checking or savings account with this
Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited
within one to two billing cycles or as a Rewards Card ($25 minimum redemption).
7 Smart Business Rewards Card: 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 1 additional bonus Point (for a total of 2 Points) for every dollar in eligible net purchases in your top two highest merchant spend categories
(“Highest Categories”) each billing cycle. Highest Categories can change with each billing cycle, depending on your purchase behavior during a particular
billing cycle. Highest Categories automatically adjust to reward you on where you spend the most. Some exclusions apply. Please visit
https://card.myaccountaccess.com/smartbusinessVisa to see the full list of eligible merchant categories.
8 If you’re approved for a new Smart Business Rewards Card, one-time 20,000 bonus points will be awarded after eligible net purchases totaling $500 or
more are made to the Authorized Officer’s Card within 90 days from account opening. These bonus points will be awarded on your monthly billing
statement. Use of the Smart Business Rewards Card is subject to terms and conditions of the Cardmember Agreement, which may be amended from time to
time. This offer may not be combined with any other bonus offer. Additional bonus points are earned only on Authorized Officer purchases. Offer is subject
to credit approval.
*The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
©2021 Elan Financial Services