To participate in the Program, your Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. We may alter, change, or terminate the Program at any time without advance notice. We may also disqualify Cardmembers who have violated any of these terms and conditions or the terms of their Cardmember Agreement with us. Determination and payment of tax liability is the sole responsibility of the Cardmember. The Program is void where prohibited by federal, state, or local law.

You will earn cash back rewards ("Cash Back Rewards" or "Rewards") at a Standard rate of 1% per dollar of the "Net Purchases" made with your Account, after we have deducted amounts credited to your Account for returns, refunds or other reasons. Cash Back Rewards credited for "Net Purchases" made through your Account will be shown through online account service.

You will also earn Cash Back Rewards in the categories as described below:

(1) You will earn a total of 3% Cash Back Rewards for each $1 spent on Net Purchases made at merchants classified in the electric vehicle charge or gas stations (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart) MCC (explained below). There is a $200 per transaction limit to receive the additional earn for electric vehicle charge or gas station purchases. An electric vehicle charge or gas station transaction greater than $200 will only earn 1% Cash Back on the total amount of the transaction.

(2) You will earn a total of 3% Cash Back Rewards for each $1 spent on net purchases made at merchants classified in one of the following MCCs: restaurants/restaurant delivery, office supply store, and cellular phone service provider.

Each merchant’s business is identified by a category code. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which purchases qualify for additional rewards.

Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Subject to applicable law, 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, Program misuse, failure to pay, bankruptcy, or death).

We will show on your monthly Account statement the accrued Net Purchases potentially eligible for redemption as Cash Back Rewards as of the statement billing date. Cash Back Rewards earned can also be viewed within the Rewards Center via myaccountaccess.com. We reserve the right to adjust or reverse the amount of Cash Back Rewards that were awarded, or Net Purchases potentially eligible for redemption, for unauthorized Purchases.

Unless otherwise chosen at the time of original application for credit, Cash Back Rewards will be pooled to one Cash Back Rewards balance at the Business level. The individual who executed the application for credit will have the sole authority to redeem the pooled Cash Back Rewards. If the Cash Back balance changes from pooled to individual, any unredeemed Cash Back Rewards will stay pooled and will not transfer to the individual Cash Back Rewards balance.

The amount of Cash Back Rewards that may accumulate for your Account is unlimited. However, Cash Back Rewards will expire at the end of the calendar quarter, at 11:00 p.m. Central Time, that is five (5) years from the date on which they were earned. Cash Back Rewards are redeemed or expire on a first-in, first-out basis, so that the Cash Back Rewards you earned first are used before later earned Cash Back Rewards.

The complete range of Cash Back Rewards redemption options is available when Cardmembers call 888-229-8864 or visit the Rewards Center at myaccountaccess.com. Elan Financial Services and/or third-party vendors may change or terminate participating merchants, withdraw, limit, modify, or cancel any rewards or increase the number of reward dollars required for a cash reward at any time without advance notice, even though such changes may affect the accrual or value of rewards. Reward redemption is subject to availability based upon Cardmember’s Account mailing address.

Cash Back Rewards cannot be used as payment for obligations owed to Elan Financial Services. Exception: Cardmembers can choose to redeem their earned Cash Back Rewards for statement credit to be applied to their Account by accessing the Rewards Center. The statement credit will reduce the Account balance but does not count as a payment and thus does not reduce the minimum payment due. All redemptions are final. There are no refunds, exchanges, replacements or conversions for currency, credit, other cash back or rewards for no-shows or unused portions or rewards, unless otherwise noted. Determination and payment of tax liability, if any, is the sole responsibility of the Cardmember.

Subject to applicable law, 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, Program misuse, failure to pay, bankruptcy, or death).

For redemptions, information about the current Program Rewards Schedule, inquiries, and updates, Cardmembers may visit the Rewards Center at myaccountaccess.com or call the Rewards Center anytime at 888-229-8864.

From time to time you may have the opportunity on the Rewards Center to redeem Points earned in the Program toward a monetary contribution to a named charity. Your monetary charitable contribution will be matched at 100% (no cap). The named charity may vary. Point redemptions toward monetary charitable contributions may not be tax deductible. Please consult your tax advisor to determine if your redemption towards a charitable contribution is tax deductible.

You can choose to redeem Cash Back Rewards in the form of a statement credit to your Account or as a deposit into an eligible U.S. checking or savings account at the financial institution associated with your Account. Cash Back Reward redemptions are deducted from the total Cash Back Reward balance when the reward redemption is requested by a Cardmember.

Statement credits are issued via a credit to your Account by accessing the Rewards Center at myaccountaccess.com. A credit will be applied to your Account within 1-2 statement billing cycles. Cash Back Reward dollars redeemed for a statement credit will reduce the account balance, but will not count toward your minimum payment due.

Account deposit redemptions may be issued via an electronic ACH deposit by accessing the Rewards Center at myaccountaccess.com. Account deposit redemptions must be deposited to an account at the financial institution associated with your Account. If the financial institution associated with your credit card is Elan Financial Services you may not make account deposit redemptions, but may still redeem Cash Back Rewards for cash value as a statement credit. Account deposit redemptions may not be deposited to an international account. Redemptions to an eligible checking or savings account will be applied within 7 business days of your redemption request.

You must enter an accurate routing number for the financial institution associated with your Account and an accurate account number for your Cash Back Reward redemption to be processed correctly. Routing numbers entered for a Cash Back Reward redemption are checked against the routing number directory maintained by the Federal Reserve. If you have entered your routing number correctly and it is not accepted by the Rewards Center, please contact your financial institution to verify the number. If your routing number still is not accepted, please call the Rewards Center at 888-229-8864. Elan Financial Services is not responsible for incorrectly entered banking information.

You may redeem Cash Back Rewards in the Program for Visa-branded rewards cards (“Rewards Cards”). At the time of the Rewards Cards redemption, your rewards dollar balance will be reduced by the number of rewards dollars used to obtain the reward(s). There is no limit to the number of Rewards Cards that can be redeemed subject to Reward availability. You may choose to receive your Rewards Cards by mail (a “Plastic Rewards Card”) or email (a “Digital Rewards Card ”).

Rewards Cards are valid through the expiration date or “valid thru” date shown on the Plastic Rewards Card or displayed on the Digital Rewards Card image you receive after claiming your card or until the value on your Rewards Card reaches zero, except where prohibited or modified by applicable law. Rewards Cards are no longer usable after the last day of the month of the “valid thru” date unless you obtain a replacement Rewards Card. When the Rewards Card expires it will be closed and any unused balance will be handled according to applicable law. Elan Financial Services may revoke the Rewards Card at any time without cause or notice. You may not sell your Rewards Card and Elan Financial Services is not liable for the revocation of funds on Rewards Cards that have been sold or transferred by you. Lost, stolen or destroyed Rewards Cards will not be reissued or replaced unless the Rewards Card number is available, subject to terms provided with the Rewards Card. Reasonable efforts will be made to ensure that the Rewards Card is delivered in a timely manner. Additional terms and conditions will be provided with Rewards Card issuance and are subject to change at Elan Financial Services sole discretion, if permitted by law. Please see the Rewards Card website for additional terms and conditions.

Plastic Rewards Cards will be mailed to the billing address on file; if an alternate address (including an APO/FPO/PO Box) is requested, the redemption must be made through the Rewards Center by phone. Elan Financial Services will use its best reasonable efforts to issue Plastic Rewards Cards within 7-10 business days of your request. Plastic Rewards Cards lost in mail will be replaced at no cost to the Cardmember if mailed to the correct address provided at the time of redemption. Plastic Rewards Cards will be personalized with the primary Cardmember’s name and cannot be exchanged or refunded. Plastic Rewards Cards can be used at any merchant that accepts Visa debit cards. Plastic Rewards Cards cannot be reloaded with additional funds, nor can they be used at an ATM – no cash access.

Digital Rewards Cards can only be redeemed online or via phone for domestic transactions with merchants that accept Visa debit cards. Some merchant transactions, even if you and/or the merchant are located in the United States, District of Columbia or a U.S. territory, are considered foreign transactions under the applicable Visa rules, and you may not be able to use your Digital Rewards Card with those merchants. We do not control how these merchants are classified for this purpose. Digital Rewards Cards are emailed to the Cardmember’s provided email address. Digital Rewards Cards cannot be exchanged or refunded. Digital Rewards Cards are not reloadable and cannot transfer card value to another payment device. Digital Rewards Cards cannot be used to perform banking services, obtain cash at ATMs or from merchants that may have otherwise agreed to provide cash back at point-of-sale. Mechanical reproductions, copies or facsimiles of Digital Rewards Cards will not be accepted.

With Real-Time Rewards, you may instantly redeem Cash Back for your credit card Purchases via text messaging. The Cash Back Rewards redemption comes in the form of a credit to your monthly billing statement. Cash Back Rewards will be deducted from your Cash Back Rewards balance and a credit for the Purchase amount will be applied to your Account billing statement when you request redemption. For transactions which include a gratuity, fees, or estimated taxes, the statement credit may not equal your final Purchase amount. Auto bill pay transactions will be part of Real-Time Rewards text messages if the Purchase falls within your preference selections. Real-Time Rewards text messages are available only for transactions with U.S. merchants. You may sign up for Real-Time Rewards using your 10-digit U.S. mobile number. Only one mobile number may be used per credit card account. If any changes are made to your Account that will affect the card number, account ownership or your rewards program, you will need to re-enroll in Real-Time Rewards. Message and data rates may apply. The short code REDEEM (733336) is used by Real-Time Rewards to send redemption requests. Message frequency is based upon the preferences you select and the Purchases you make on your Account. Text ‘HELP’ to REDEEM (733336) for Help. Text ‘STOP’ to REDEEM (733336) to cancel your participation in Real-Time Rewards. All cancellations completed via text message will remove that mobile number from all accounts registered for Real-Time Rewards. Please visit: https://rtr.myrewardsaccess.com for a full listing of the Mobile Terms and Conditions. For inquiries, to sign up to receive text alerts, to update your preferences or to cancel your enrollment, please visit the Rewards Center at myaccountaccess.com or call the Rewards Center at 888-229-8864.

You will not receive Real-Time Rewards text messages until you confirm your enrollment and preferences. You will receive a Real-Time Rewards request text message if your credit card Purchase falls within the criteria you have set up in your Real-Time Rewards preferences. You must have enough cash rewards to cover the entire purchase in order to receive the text message to redeem. Merchants who accept Visa and Mastercard cards are assigned a merchant code based on the kinds of products and services they sell. Elan Financial Services does not control how Purchases are processed by merchants or the merchant codes they use; therefore, Elan Financial Services cannot guarantee that a specific transaction will qualify. Your account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. You may redeem by replying ‘REDEEM’ within 24 hours of when the message was sent. You may only redeem the most recent Real-Time Rewards text message. Upon confirmation of a redemption request, Cash Back Rewards will be deducted from your Cash Back Rewards balance immediately, and a credit to your statement will be processed within three business days and will appear on your next billing statement. The Account statement credit for a Real-Time Rewards redemption will reduce the Account balance, but will not count toward the minimum payment due. All redemptions are final. If you return the item or service that you redeemed Cash Back Rewards for to the merchant, the Cash Back Rewards will not be reinstated, but you may receive a credit to your credit card account (in accordance with the merchant’s return policy).

You may purchase travel with your rewards card through the Travel Center and earn an additional 4% Cash Back above base earn for every $1 in eligible Net Purchases spent on prepaid hotel and car reservations.*  All travel reservations must be booked online through the Travel Center at myaccountaccess.com or by phone at 888-229-8864. Travel reservations can be issued in any individual’s name, but travel must be purchased by an authorized Cardmember on the Account. Elan Financial Services and our third-party vendor(s) shall not be liable for any bodily and/or property damage that may result from your use of travel rewards, or the performance by the travel providers (e.g., airlines, hotels, etc.).

Your purchase for travel constitutes your agreement to the terms and conditions of our third-party vendor(s). If you book travel through the Travel Center at myaccountaccess.com, please refer to additional terms and conditions provided in the online booking process.  If you book Air travel by phone, a $39 Travel Advisor Consultation fee will be charged per passenger, and please refer to additional terms and conditions provided on your travel itinerary. There will continue to be no additional booking fees for award tickets booked online.

Airlines may impose additional fees that are not included in your award ticket, including but not limited to fees for seating, luggage and changing your ticket.

Earn an additional 4% cash back when you use your rewards card to purchase hotel rooms and car rentals booked directly on the Travel Center website. In addition to your base earn for purchases using your rewards credit card, you will earn an additional four percent (4%) in cash back rewards for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations made on the Travel Center website using your rewards credit card. Cash back rewards cannot be redeemed toward travel reservations in the Travel Center.

The additional 4% cash back will be deposited into your reward account after payment has been processed. Please allow 1-2 statement billing cycles for the additional 4% cash back to appear on your credit card statement. Purchased hotel and car transactions will appear on your credit card statement as RTI*TravelCenter*.

The additional 4% cash back will appear on your cash rewards earning statement and in your cash rewards history in the Rewards Center as “4% BONUS: PURCHASE TRAVEL.”

If cancellation is permitted and you cancel a hotel or car rental reservation for which you have earned an additional 4% cash back, the additional 4% cash back will be reversed.

If cash rewards and cash are used for payment when there is more than one type of travel reservation in the cart, cash rewards will be split equally across the components of the reservation. The cash portion of the payment will be applied to any remaining balance(s). The additional 4% cash back will be calculated on the cash portion of the eligible hotel and car components.

In addition to other disclaimers set forth in these Program Rules, third party vendors and Elan Financial Services make no guarantees, warranties or representations of any kind, expressed or implied, with respect to the goods or services offered by any participating merchant; and shall not be liable for any loss, expense, accident, injury or inconvenience that may arise in the connection with the use of such rewards, or as a result of any defect in or failure of such rewards. Third party vendors specifically disclaim any defect in or failure of such rewards. Third party vendors specifically disclaim any implied warranties of merchantability or fitness for a particular purpose.