EmigrantDirect Visa® Signature CardQuick Summary:
This is a Visa cash back rewards card issued by Elan Financial Services . This card is intended for consumers, or "personal use" with a nearly perfect credit history. APR's may vary among applicants, however the lowest standard APR is 11.99%* and may be as high as 22.99%* (Variable)*, depending on your credit worthiness*.
There is a balance transfer offer APR of 0.00% for 6 Billing Cycles*.There is also a purchase introductory APR of 0.00% for 6 Billing Cycles*. Be cautious that some card issuers may charge higher rates and fees for cash advances.
The lowest available APR is variable, meaning that the rate can change as U.S. prime rates fluctuate. You can find out how to compute your APR in the programs terms and conditions. For example, you may be instructed to add 5.4% to the U.S. prime rate.
There is no annual fee for this card.*
This card is a cash back card, where you can expect cash rewards for your purchases.
Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO credit score of 783 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval.
The grace period listed for the EmigrantDirect Visa® Signature Card is at least 24 days*. So interest charges will not be applied for purchases during those days. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.
This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment.
Currently, we have no applicant results in our system. You can be the first one to help by
submitting your application results to assist other applicants before they apply for this card.
There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 783, then your chance of approval may be even greater.
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks.
More Rewards. Not More Rules.
- Get a 25% bonus on all points earned every month - automatically.1 There's nothing to sign up for and no caps or limits on the points you can earn. Choose to redeem your points for cash back, merchandise, travel and gift cards from popular retailers.
- Earn 1 point for every net $1 you spend.
- Get a 25% bonus on all points earned every month, automatically.
- No caps or limits on the points you can earn, plus you have five years to redeem points for rewards2
- $25 cash back with your first purchase.3
- Redemption starts at 2,500 points for $25 cash back, or redeem 25,000 points for round-trip airfare up to $325.
* Disclaimer: Please see the credit card application for details about the offer as well as the terms and conditions.
Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.
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Consumer Card Rate Comparison
|APR||11.99%* - 22.99%* (Variable)*|
|Avg. Annual Fee||$30.13**|
** APR average does not include cards where APR is 0%, unless viewing offers in the secured card category. "Annual fee
average" contains the average of all fees in a specific category (Consumer cards), even where the fee is $0. This data is subject to Finance Globe's
terms and conditions.
View rates and fees for all cards.