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Key Features

No Foreign Transaction Fees
Travel Portal Redemption

Card Details

Annual Fee:$99
Card Type:Personal
Point System:Elan Rewards
Travel Value (our estimate):1.0¢ per point
Cash Value (our estimate):1.0¢ per point
Bank:Elan Financial Services
Partner:Associated Bank
Network:Visa Signature
Type:Bank

Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.

Signup Bonus

25,000 points
No annual fee for the first year PLUS 25,000 reward bonus points when you spend $2,000 within the first 120 days.

Earning Structure

4x
points per $1 spent on:
EV Charging
Gas Stations
Movie Theaters
Select Live Entertainment
Sports & Recreation
Travel
1.5x
points per $1 spent on:
All Other
Editorial independence

RICH with POINTS™ is an independent publisher. We are not a bank, lender, or credit card issuer, and we are not affiliated with, endorsed by, or sponsored by any card issuer. Card details are collected independently from public sources and have not been reviewed or approved by any issuer. Offers and terms change frequently — always confirm current details on the issuer’s own site before applying.

All product names, logos, card images, and brands are the property of their respective owners. Use of these names, logos, and brands is for identification purposes only and does not imply endorsement or affiliation.