Elan Credit Card: The Best Credit Card There Is

The name Elan Financial Services might not ring a bell, but it serves thousands of Americans every day. How? Elan has become the most trusted partner in providing credit cards for clients across America. Thus, if you want a card, check out how to get the Elan Credit Card below. Read the details to determine how you can get a legit card and to recognize when you are being scammed.

Elan Credit Card

Providing card solutions since 1968, Elan is a division of U.S. Bank that includes processing and payment services. It currently has over 1,400 partner institutions that offer competitive credit card plans for clients. The list of partner credit unions and banks include Comerica, Associated Bank, and Desert Financial Credit Union.

The Elan Product Suite

It offers a vast array of credit cards that suits everyone’s needs and purpose. Whether you’re a college student looking to start a credit record or a business owner looking to expand, Elan has something for you.

The Elan Advantage

One of the leading credit card issuers in America is Elan, and its partnerships continue to expand. Its suite of credit cards is doing so well that financial institutions are making the switch to Elan.

You might be wondering, “What sets Elan credit cards apart from the rest?” We’ve listed down the advantages of Elan issued credit cards:

1. A Credit Card Suite for Everyone

Customers drawn to banks with Elan credit cards is because of their product suite. While credit cards are usually associated with professionals with stable jobs, some Elan partners offer credit cards for college students.

They also offer credit cards, depending on your personal preference and purpose. You may get credit cards for travel rewards, bonuses, cashback, and so much more. Meanwhile, MyAccount Access offers a convenient way for you to manage all your cards.

2. No Annual Fee for Elan Platinum Cards

Other credit card issuers charge annual fees for owning a platinum card. This is not the case with Elan platinum cards. You may choose a personal and business platinum credit card from them.

3. Cash Back Rewards

Cash rewards cards with Elan that give you cash backs with your purchases, available for both consumer and business credit cards. 

The Cash Rewards American Express® Card gets you a 3% cash back on gas purchases and 2% on supermarket purchases. The Visa® Business Cashrewards Card gets you 3% cashback for office supply store purchases, cell phone, landline, internet, and cable TV services. You can also get 2% cash back on restaurant and gasoline purchases.

4. Additional Bonus Rewards

Real Rewards cards of Elan get you half percent more points than other options. This is available for both consumer and business card options.

5. No Bonus Point Cap

With Elan credit cards, you can earn as many points as you can without any limit. Other credit card issuers that put restrictions on the points that you can collect at one time. This way, cardmembers can save up their positions with something they want or experience.

6. Auto Rental Collision Damage Waiver

When you have Elan’s travel edition cards, you can receive free rental auto coverage at no extra cost. Just as long as you use your credit card to pay for the rental fees. You will be covered in the case of a collision or theft while the rental is in your possession. 

7. Zero Fraud Liability Protection

Elan credit cards come with zero fraud liability protection. This means that when fraudulent activity spotted on your account, you will not be liable for the fraudulent charges. This protection policy works when you immediately report fraudulent activity on your account to Elan.

8. Dedicated Cardmember Service Team

Elan has a committed cardmember and branch support with 24/7 call centers for cardmembers. These call centers support the following queries:

  • Balance inquiries
  • Authorizations
  • Available credit card status
  • Address changes
  • Payment information
  • Statement inquiries
  • Credit line increase requests
  • Lost or stolen card requests

9. Online Access for Cardmembers

This feature enables cardmembers to monitor their purchases, the first line of defense against possible fraudulent activities. Elan credit card owners can do so much through their online account. By accessing myaccountaccess.com, you can view your account information, transactions, statements, and even make payments. You may access your account via desktop, telephone, or via the Elan Credit Card mobile app.

10. Mobile Alert Notifications

Cardmembers may enable mobile alerts when they access their online accounts. When enabled, you will receive notifications about when payments are due, recent account activities, and more. This makes transactions convenient even when you’re on the go.

11. Secure Mobile Payments

Always on the go and no time to take a trip to your local bank branch? No need to worry! Cardmembers can make secure mobile payments with compatible Apple, Android, or Samsung phones.  

12. Proactive Fraud Detection System

In 2016, around $4 billion lost due to hacked card fraud incidents. In 2017, approximately 16.7 million fell victim to fraud, an increase from 12.7 million in 2014.

While online banking and the authorization process lowers the probability of fraudulent activities, Elan goes a step further. With their Fraud Detection System, cardmembers are alerted of abnormal spending habits to ensure that their card is always secure.

13. Training Provided to Partner Institutions

One of the benefits that Elan gives to its partner institutions is they offer training about their product suite. This ensures that employees are well trained on the product offerings so they could help customers in their decision.

Consumer Credit Cards

Don’t know which consumer credit card to get? Compare and contrast the various benefits that come with Elan’s different consumer credit cards below:


Visa® Platinum CardCash Rewards American Express® CardVisa® Real Rewards CardPremier Rewards American Express® Card
Cash Back
Merchandise and Gift Cards

Travel

3% cashback on gas purchases


2% cash back on purchases in supermarkets


restaurant purchases (4x points)


airline purchases ( 3x points)


gas purchases (2x points)


(base earn) all purchases earn 1.5 points/1.5% per dollar


(base earn) all purchases can earn 1 point/1% per dollar

$25 value awarded after first purchase

$100 value awarded after spending $1,000 in the first 3 months


Global Entry or TSA Pre✓® Statement Credit


Purchase tickets for popular events before the general public

Peace of mind benefits such as Zero Fraud Liability and auto rental collision damage waiver



Business Credit Cards

Don’t know which business credit card to get? Compare and contrast the various benefits that come with Elan’s different business credit cards below:


Visa® Business Platinum CardVisa® Business Cash CardVisa® Business Real Rewards CardVisa® Business Rewards PLUS Card
Cash Back
Merchandise and Gift Cards

Travel

3% cashback on all purchases from office supply stores, cell phone, landline, internet, and cable TV services


2% cash back on restaurant and gasoline purchases


1% per dollar on all purchases (base earn)


3X points on the category spent most on such as cell phone services, hotel or airline


1.5 points/1.5% per dollar on all purchases (base earn)

$25 value awarded after first purchase

$200 value awarded after spending $2,000 in the first 3 months


Peace of mind benefits such as Zero Fraud Liability and auto rental collision damage waiver
Free employee cards
Online reporting tools to view and monitor credit card spend by top categories, transaction type, and a defined transactional period, month, quarter or year

Conclusion

For financial institutions looking for a competitive credit card offering, Elan is one of the best partners to go forward. With big banks like Comerica and Desert Financial Credit Union, Elan is a trusted name in credit cards. Aside from this, Elan also provides training for employees so that they could become familiar with your credit card offerings.

Elan offers a vast array of credit cards to cover everybody. Whether it’s for building good credit or growing your business, it has got something for you. 

From cash backs to unlimited earning of points, Elan gives better value for your credit card. On top of that, Elan provides the best customer service and safeguards for your accounts. Ask your local bank if their credit card offering comes from Elan.

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