Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! No matter which card you choose, you'll enjoy important features like:
Tackle your holiday debt! Save on interest for TWO YEARS with the Visa® Zero+ Card
Get a special low 0% introductory APR* for 24 billing cycles on purchases and balance transfers.† After that, a variable APR, currently 17.24% - 28.24%*, when you apply for a Visa® Zero+ Card by March 31, 2026.
Now that the holidays are over, it's time to give your finances a fresh start — begin by consolidating high-interest debt. And with the Visa® Zero+ Card, you earn cash back, too!
* The 0% introductory APR applies to Purchases and is valid for the first 24 billing cycles. The 0% introductory APR applies to Balance Transfers made within 744 days of account opening and is valid for the first 24 billing cycles. The introductory rate does not apply to Cash Advances. Thereafter, the APR may vary and as of 01/01/26, the undiscounted variable APR for Purchases and Balance Transfers is 17.24% to 28.24% (based on your creditworthiness). The variable APR for Cash Advances is 30.49%. Cash Advance fee: 5% of each advance amount, $10 minimum. Convenience Check fee: 5% of each check amount, $5 minimum. Cash Equivalent fee: 5% of each cash amount, $10 minimum. Balance Transfer fee: 5% of each transfer amount, $5 minimum. There is a $1 minimum interest charge where interest is due. The annual fee is $0. The Foreign Transaction fee is 3% of each foreign purchase transaction or foreign ATM advance transaction. Card ExtendPay fee: A monthly fee not to exceed 1.6% of the original principal amount in a Card ExtendPay Plan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable Card ExtendPay balance. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for Card ExtendPay Plan if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR. 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.
† Balance transfer transactions from other Elan Financial Services accounts are not permitted. You may cancel a balance transfer request within 10 days of account opening by calling the number on the back of your credit card. After 10 days from account opening, requests to stop payment on Balance Transfer Check(s) issued by Elan shall not be honored unless the check(s) has been stolen, lost or destroyed.
1 You will earn 4% cash back per dollar spent on eligible Net Purchases for prepaid airfare, car rental, attractions and hotel reservations booked directly in the Rewards Center using your Zero+ Card. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles, or as a Rewards Card. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice. Cash rewards expire 5 years from when they are earned, refer to your Program Rules for full details.
2 An automatic statement credit of $15 per 12-month period will be applied to your Zero+ Account within 2 statement billing cycles following 11 consecutive calendar months of purchases, if the Account is in good standing (not past due or overlimit). We reserve the right to adjust or reverse any portion or all of any credit for unauthorized purchases or transaction credits.
3 Certain terms, conditions and exclusions apply. In order for coverage to apply, you must pay your monthly cellular wireless bill with your Zero+ Card. Please view the Guide to Benefits at mycardgtb.com/vzero for further card benefit details including full terms and conditions.
This offer is valid only for new consumer Visa® Zero+ accounts with this Financial Institution and the application must be submitted by March 31, 2026. The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. ©2026 Elan Financial Services. All rights reserved.
Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.
No matter which card you choose, your business will benefit from important features like:
*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
Routing / ABA Number: 312080970
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