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Platinum Visa

Featuring our lowest rate and no late fee. Perfect for shopping at the store or online.

Apply Now

Or call 1-800-621-2105

Platinum Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  14.24%
Balance Transfer Fee  0%

Platinum Visa Introductory APR (Annual Percentage Rate) good for six months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 14.24% for Platinum Visa. Rate effective June 1, 2024, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

Platinum Visa

Pay off your balance sooner with a low rate.

CARD BENEFITS

  • Featuring our lowest rate
  • No late fee if you miss a payment
  • $200 Cash Bonus just by using your card1
  • 0% Intro APR for 6 months on purchases and balance transfers
  • After the intro period, a variable APR of 14.24% for purchases and balance transfers2
  • No balance transfer fees3
  • No annual fee3
  • The convenience of paying at retailers with a tap, a swipe, or a chip

MAY BE A GOOD CHOICE IF

  • You want to pay off your credit card balance sooner with a low rate
  • Trade-off: Doesn’t offer cash back or rewards

Compare to Other Credit Cards

How does the Platinum Visa compare to other credit card options?

This credit has a lower interest rate and no late fee if you miss a payment. It does not include a rewards program, though.

  Elements Platinum Visa Elements Signature Rewards Visa Indianapolis Indians Signature Rewards Visa Elements Cash Rewards Visa
Key Benefit Pay off your balance sooner with a low rate Earn rewards for purchases, e.g. travel and gift cards Pay with pride and support the Indianapolis Indians, plus earn rewards for purchases Earn cash back for purchases4
Intro APR for 6 months for Purchases & Balance Transfers5 0% 0% 0% 0%
Variable APR After 6-month Intro Period 14.24%2 16.24%6 16.24%7 17.99%8
Cash Back Offer1 $200 cash bonus $200 cash bonus $200 cash bonus $200 cash bonus
Rewards Features Pure Perks Rewards where you can earn 1.50 points to the dollar with every purchase.9 您可以在胜利球场享受许多特殊的福利,我们的纯福利奖励计划,您可以赚取1.50 points to the dollar with every purchase.10 Earn 1% cash back on every eligible purchase with Pure Perks4
Balance Transfer Fee None3 None11 None12 None3
No Annual Fee
Special Feature No late payment fee No international transaction fee 没有国际交易费用加上100美元的捐款,以支持印第安纳波利斯印第安人慈善机构13
Auto Rental Collision Damage Waiver
Cardholder Inquiry Service
Emergency Card Replacement
Lost or Stolen Card Reporting
Purchase Security
Zero Liability Policy
Roadside Dispatch
Travel & Emergency Assistance Services
Travel Accident Insurance

Covering up to $100,000

Covering up to $250,000

Covering up to $250,000

Covering up to $100,000

Lost Luggage Replacement
Extended Warranty Protection
Year-end Summary Statement

Is there really no late fee if I miss a payment?

A woman making a purchase at a wine shop

Yes, that’s right! 您的利息将继续累积,但您不会因错过付款而支付滞纳金.

What kind of fraud protection is included?

Chip Cards

Get big protection in a tiny chip. Elements credit cards have chip technology built right in. This tiny chip will protect your card's information in a big way. When you use your chip card at a chip-enabled terminal, the embedded chip generates a unique transaction code. This helps prevent stolen data from being fraudulently used. Plus, you're protected against unauthorized use with Visa's Zero Liability Fraud Protection.

Fraud Alerts

We offer near real-time fraud alerts for all Elements credit cards. 有了一个快速的文本警报,你可以帮助防止欺诈性交易发生在你的卡上. The service is free, and your card is automatically enrolled! How it works:

  • 当您的账户上发现可疑交易时,将向您的移动设备发送短信. 
  • Simply reply to confirm whether or not you recognize the transaction(s).
  • If you let us know that you do not recognize the transaction(s), we will block usage of your card until we hear from you.
  • If you reply that you recognize the transaction(s), your card will remain available for use.
  • If we don’t receive a response from you for the text message, we will reach out to you through email and phone to verify the suspicious transaction.
  • If you would like to opt out of this service, just reply STOP to the text alert, or call us at 800-621-2105.

Transaction Alerts with Card Control

Card Control is a companion app to our Online Banking app that allows you to control when, where, and how your Elements credit and debit cards are used. Instantly turn them off and on, set controls on usage, and establish alerts for a variety of card activities. Learn more about Card Control.

Online Shopping Secured with Visa

Visa has developed a program that helps confirm your identity when you make an online purchase. 这项服务可以防止Visa卡被未经授权的使用,从而使网上购物更加安全. There’s no need to download anything, install software or register. During an online purchase from your desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps Elements know you’re really you and most importantly it protects you from fraud.

What fees can I expect?

A woman using a tablet on her couch

No Late Payment, International Transaction, Balance Transfer, and Annual Fees3

The Platinum Visa has no late payment fees, no international transaction fees, no balance transfer fees, and no annual fee! 这意味着你可以在任何接受Visa的地方使用该卡,并且不会产生任何意想不到的费用.

No Penalty APR/Pricing

The Signature Rewards Visa does not apply a penalty APR, also known as penalty pricing. 罚金年利率是发卡机构在持卡人逾期付款时收取的年利率. This can be put in place as soon as just one missed payment. A typical penalty APR is 29.99 percent, but it may be lower on some credit cards.

Loss of Introductory Rate

It’s important that you make your payments on time. Otherwise, 如果您逾期付款,我们可能会终止您的介绍性利率,并采用上述披露的标准年利率.

Why should I choose Elements for a credit card?

A couple using a laptop on their couch

Like a Bank, Only Better!

Better Rates. Fewer Fees.

Because we’re a credit union, we return profits to members in the form of reduced fees, higher savings rates and lower loan rates.

Trusted Advice. Fresh Approach.

We pride ourselves in being a trusted source for financial education. 你的财务健康专家会来到你的工作场所回答你的问题,并为你提供一对一的帮助,帮助你应对人生每个阶段的变化.

Respected Locally. Accessed Globally.

Headquartered in Indianapolis since 1930, we rank among the top 3% of credit unions nationally14. We serve members in all 50 states and 50+ countries. 您可以使用全国5000多家共享分行和全球78000多台免费atm机.

High Tech. Human Touch.

Our technology makes banking with Elements easy. 从快速的数字应用程序到在线和移动银行,无论您走到哪里,我们都会在您身边. We’re here for you with member service available 24/7 and live chat during the workday.

Get Started

How do I apply for a card?

A screenshot of our online application.

Getting started is easy!

  1. Apply for a card online - You can apply online in as little as 10 minutes!  Or call 1-800-621-2105 to get started. Have your government-issued ID (driver’s license, state ID, or passport) and your Social Security number ready.
  2. Check your email - 您将在一个工作日内收到一封电子邮件,通知您帐户批准或收集可能需要的其他信息.
  3. Get your card in the mail - Once approved, you'll receive your Platinum Rewards Visa® in the mail within 10-14 days.
  4. Enroll in online banking - Easily make payments on your credit card, check other Elements balances, pay bills and transfer money between accounts from your smartphone, tablet, laptop or desktop with Elements online banking and our mobile app.

Apply Now   Enroll in Online Banking

 

How do I set up transaction alerts for my Elements credit card?

Card Control App Icon Hint: Download the super-helpful Card Control app.

You can set up alerts about your credit card using the Card Control app. 卡控制应用程序是元素利记应用程序的配套应用程序,允许您控制何时, where, and how your Elements credit and debit cards are used. Instantly turn them off and on, set controls on usage, and establish alerts for a variety of card activities.

  • Locations – set alerts to notify you if a debit card transaction occurs in an unexpected location, such as outside the US, or even in-store if your device isn’t present during the transaction.
  • Merchant Types -当您的Elements信用卡或借记卡在特定商家类型(如零售商店)使用时收到通知, gas stations, grocery stores, restaurants, etc.
  • Transaction Types – get an alert when your card is used for specific transaction types, such as in-store, online, mail/phone order, auto pay, or at an ATM.
  • Spending Limit -设置消费提醒,以了解您的Elements信用卡或借记卡是否有超过设定限额的交易,或者当您的每月限额已超过.

 

How to Set Card Control Alerts

  1. 在“卡片控制”应用的打开界面,点击你想要设置提醒的卡片.
  2. On the next screen, select “Controls & Alerts,” then “Alert Preferences.”
  3. On the line that says “Send alerts for,” tap the button on the right (the button will say “None” if you have no alerts set).
  4. If you’d like to receive alerts for all card transactions, choose “All Transactions” in the drop-down.
  5. To select which alerts you‘d like to receive, choose “Selected Transactions” in the drop-down. Then click on the type of alert you’d like to set (Locations, Merchant Types, Transaction Types, or Spend Limits) and follow the prompts.
  6. That’s it, your alerts are set! 您将通过在移动设备主屏幕上弹出的推送通知收到您在卡控制应用程序中设置的提醒.

Setting Card Control AlertsSetting Card Control Alerts

 

How to Get the Card Control App

如果你还没有卡控制应用程序,你可以从你的移动设备下载应用程序 Google Play or the Apple Store. 在下载卡控制应用程序之前,请确保您已经是Elements移动应用程序的活跃用户. Get complete installation instructions here.

Read more frequently asked questions about credit cards…

How can I activate my credit card?

To activate your credit card, call 1-888-691-8661.

How do I make a credit card payment?

You can make your Elements credit card payments in several convenient ways. Call us with questions at 1-800-621-2105.

Pay your Elements credit card within online banking or the mobile app. 

  • Log in, go to the Loans & Credit Cards menu and choose Manage Visa Card, or click your credit card account tile in your list of accounts. 
  • 您可以从Elements帐户或其他银行或信用合作社帐户中进行一次性或经常性付款.
  • 你也可以设置每月自动付款,以避免错过付款和可能的滞纳金.

Mail a credit card payment. Make your check payable to:
Elements Financial FCU
PO Box 37035
Boone, IA 50037-0035

What do I do if my card is lost or stolen?

To report your credit card lost or stolen, please use Live Chat or call us toll-free at 1-866-570-1238.

I’m planning to travel and don’t want my purchases to be declined. How can I prevent that?

We understand that can be a frustrating experience! Elements offers 24/7 fraud monitoring on credit and debit cards. 为了确保您在旅行时执行的交易不会错误地触发任何欺诈检测服务, we recommend you advise us of your travel plans in advance. You can set the travel notification on your Elements credit card within online banking.

  • Log into online banking at nguonchinhhang.com
  • Click on the account tile for the credit card you'd like to set a travel notification on
  • Select the "Account Services" menu
  • Click on "Travel Center"
  • Enter necessary travel information and submit

Or call us at 1-800-234-5354 to set up the travel notification.

A woman paying for drinks with her phone

Digital Wallet Options

Elements提供了多种数字钱包选项,帮助您增加生活的安全性和简便性——我们还在不断增加更多选项. Your Elements credit card will let you make payments via Apple Pay, Google Pay, Samsung Pay, PayPal, Amazon Reload, and when you see this logo anywhere Visa is accepted online.

Learn More about Digital Wallet Options

It’s so nice to have a credit card that’s enabled with tap and Apple Pay technology. I left my card at home a couple weeks ago and used Apple Pay to buy my groceries. It was a lifesaver!

- Alex P. | Member since 2009

How Long Will it Take to Pay Off My Credit Card?

Credit Card Payoff Calculator

Results

Total interest $____
  1. 1 Credit Card Related $200 Cash Bonus Value Offer — requiring at least 10 card purchase transactions totaling at least net $1,000 within 90 days of card approval — will be fulfilled as a one-time $200 statement credit. Statement credit will not reduce your monthly payment. If the account is closed within six months, 届时,我们保留将对账单贷方的金额重新计入您的账户余额的权利. Secured Credit Card excluded. Existing or previous Elements credit cardholders not eligible.  /  Offer subject to credit approval and may be taxable. Elements reserves the right to amend or discontinue offers at any time. Additional terms and conditions may apply. Please allow 4-6 weeks after qualifications are met for receipt of a statement credit. Product offers cannot be combined with other promotional offers for the same product. One offer per household.
  2. 2 Platinum Visa Introductory APR (Annual Percentage Rate) good for six months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 14.24% for Platinum Visa. Rate effective June 1, 2024, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  3. 3 Platinum and Cash Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: None. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Credit Card Foreign Transaction: 1% of each Foreign Transaction in U.S. dollars.
  4. 4 Cash Rewards Visa Card Details: 1% cash back on every eligible purchase. No enrollment required. All cardholders are eligible when they make their first eligible purchase. Eligible purchases are net purchases (reduced by merchant returns and adjustments). Purchases do not include cash advances, balance card transfers, use of convenience checks and are exclusive of any fees and finance charges we impose. Cash back rewards are payable to you by reducing your credit card balance. However, 奖励不会减少每月付款金额,除非信用卡总余额低于应付现金回馈奖励金额. 奖励在您符合资格参加该计划之日起生效,并根据您的对账单上打印的结算周期结束日期支付. Cash back reward amounts less than $25 will not be paid during a billing cycle. Rewards will accumulate and will be payable to you once your reward balance is $25 or more. If a reward balance is less than $25, it will expire 5 years from the month earned. Eligibility is restricted to accounts that are open and in good standing. 如在下一个$25增值缴款前关闭帐户,任何累积积分将被没收. Additional terms and conditions may apply.
  5. 5 Elements Visa Credit Card introductory rate good for six months. Annual Percentage Rate. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 促销期结束后,您购买和余额转账的标准可变年利率将为17.99% for Cash Rewards Visa; 17.99% for Butler University Rewards Visa; 14.24% for Platinum Visa; 16.24% for Signature Rewards Visa; and 14.24% for Riley Children's Foundation Visa. Rates effective June 1, 2024, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  6. 6 Signature Rewards Visa Introductory APR (Annual Percentage Rate) good for six months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 16.24% for Signature Rewards Visa. Rate effective June 1, 2024, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  7. 7 印第安纳波利斯印第安人签名奖励签证介绍性年利率,有效期为6个月. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. 在介绍期之后,您的购买和余额转账的标准可变年利率将是16.24% for Signature Rewards Visa. Rate effective June 1, 2024, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  8. 8 Cash Rewards Visa Introductory APR (Annual Percentage Rate) good for six months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 17.99% for Cash Rewards Visa. Rate effective June 1, 2024, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.
  9. 9 Signature Rewards Visa Credit Card Rewards — You earn 1.50 points for every dollar you spend on eligible purchases. This resets at the end of each calendar year. Statement Credits and Deposits to Elements Accounts can be redeemed for as low as $50 (5,000 point equivalent). Gift Cards can be redeemed for as low as $25 (2,500 point equivalent). Redemption for Travel is also available. Transactions that do not earn Pure Perks points include PIN-based transactions, cash advances, balance consolidation checks, money order/wires, gaming chips. Visit the rewards portal page for details.
  10. 10 Indianapolis Indians Signature Rewards Visa Credit Card Rewards — You earn 1.50 points for every dollar you spend on eligible purchases. This resets at the end of each calendar year. Statement Credits and Deposits to Elements Accounts can be redeemed for as low as $50 (5,000 point equivalent). Gift Cards can be redeemed for as low as $25 (2,500 point equivalent). Redemption for Travel is also available. Transactions that do not earn Pure Perks points include PIN-based transactions, cash advances, balance consolidation checks, money order/wires, gaming chips. Visit the rewards portal page for details.
  11. 11 Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: None. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.
  12. 12 Indianapolis Indians Signature Rewards Visa Credit Card Transaction Fees — Credit Card Balance Transfer: None. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00.
  13. 13 Indianapolis Indians Charities Contribution  — Upon meeting the qualifications for the cash bonus offer, 元素公司直接向印第安纳波利斯印第安人慈善机构捐款100美元将被启动.
  14. 14 Based on asset size as of 12/31/2022.