The Power Of Zero


Pay Down High-Interest Debt

Enjoy a special low 0% introductory APR* for 18 billing cycles on purchases and balance transfers. Thereafter, a variable APR, currently 13.99%-22.99%*, when you apply for one of the following Visa® Credit Cards by May 31, 2020:

Visa® Platinum Card • Visa® Business Card

  • Pay Down Debt

  • Save On Interest

  • No Annual Fee*

  • Enjoy Great Benefits

Use your card for everyday purchases, last minute necessities, or large purchases.


*The 0% introductory APR applies to Purchases and Balance Transfers and is valid for the first 18 billing cycles. The 0% introductory APR applies to Balance Transfers made within 558 days of account opening and is valid for the first 18 billing cycles. The introductory rate does not apply to Cash Advances. Thereafter, the APR may vary and as of 08/16/19, the undiscounted variable APR for Purchases and Balance Transfers is 13.99%-22.99% (based on your creditworthiness). Business Card: The variable Penalty APR is 29.49%. The introductory APR will end early and increase to the Penalty APR if you make a late payment, make a payment that is returned, or your account exceeds its credit limit. Platinum Card and Business Card: The variable APR for Cash Advances is 25.99%. Cash Advance fee: 4% of each advance amount, $10 minimum. Convenience Check fee: 3% of each check amount, $5 minimum. Cash Equivalent fee: 4% of each cash amount, $20 minimum. Balance Transfer fee: 3% of each transfer amount, $5 minimum. There is a $2 minimum interest charge where interest is due. The annual fee is $0. Foreign Transaction fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Platinum Card: We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. Business Card: We apply your payments to balances with lower APRs, including promotional APRs, before balances with higher APRs. Platinum Card and Business Card: We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law. This offer is valid only for new Visa Platinum and Visa Business Card accounts with this Financial Institution and the application must be submitted by May 31, 2020, through a branch office or call center. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.
©2019 Elan Financial Services. All rights reserved.
Back to top