EmigrantDirect Visa® Signature Card

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

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.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit Personal $0* 0.00% for 6 Billing Cycles 0.00% for 6 Billing Cycles 11.99%* - 22.99%* Cash Back


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 11.99%* and may be as high as 22.99%* (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.

There is no annual fee for this card.*

Rewards:
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. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Elan Financial Services product.

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 new purchases during this time. 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 783, 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, but normally much sooner.

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