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This featured offer was noticed by Finance Globe staff to be unique and offer special benefit to cardholders.
Card Basics


Type Credit Needed Category Annual Fee Intro APR Regular APR Rewards Grace Period
Visa Excellent Credit, Good Credit Consumer $0* 0.00% on Purchases and Balance Transfers for 6 Billing Cycles* 9.99%* - 20.99%* (Variable)* Cash Back 24 Days*

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EmigrantDirect Visa Signature Card

Alternative Card:
BankAmericard® Visa® Card
APR:10.99 - 20.99%* (V)
Intro APR:0.00%
Annual Fee:$0
BankAmericard® Visa® Card
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EmigrantDirect Visa® Signature Card

Quick 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 9.99%* and may be as high as 20.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
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 6.74% 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 nearly perfect or flawless credit record. A FICO credit score of 810 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.

Other Basics:
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.

Approval Rate:
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 810, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks.

Offer Details:

This card offers competitive rates, expanded purchasing power, the richest rewards, exclusive Visa Signature privileges and elite Cardmember Service. The Visa Signature card features unlimited 1% cash back on all net purchases. You may also choose to redeem for roundtrip airfare beginning at 25,000 points, or brand-name merchandise and gift cards at the same industry-leading rebate value as cash rewards.

Rewards and Benefits:

Product Features

  • A premier rewards card with no annual fee 
  • Unlimited 1% cash back
  • Redeem for travel on any airline without frequent flyer program restrictions
  • No Preset Spending Limit*
  • Exclusive Signature privileges

    Rewards Program

  • 1% unlimited cash back
  • Earn one point for every net dollar spent
  • Roundtrip airline ticket at 25,000 points
  • The richest travel, gift certificates, and merchandise rewards 
  • Choose Your Own Rewards — redeem reward points for any card purchase
  • Redeem reward points by calling the Rewards Center at 1-888-229-8864 or by going online to myaccountaccess.com after Online Account Access is set up.

    Cardmember Benefits

    With the Visa Signature Card, you receive exclusive features and benefits not offered with other credit cards. Special Offers

  • 0% APR for the first 6 billing cycles on purchases.
  • 0% APR for the first 6 billing cycles on balance transfers.
  • Earn 2,500 first-use bonus points, which you can redeem for a $25 statement credit.

    * 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

    APR9.99%* - 20.99%* (Variable)*
    Avg. APR17.18%**
    Annual Fee$0*
    Avg. Annual Fee$24.01**

    **  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.

    Options: View rates and fees for all cards.


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