Everyday Rewards+ (Elan)
No annual fee · $15/yr in printed statement credits · 1x on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Dining | 4x | on the first $2,000/quarter |
| Groceries | 2x | uncapped |
| Gas | 2x | uncapped |
| EV charging | 2x | uncapped |
| Streaming | 2x | uncapped |
| Everything else | 1x | uncapped |
See how it ranks: best dining cards · best groceries cards · best gas cards · best EV charging cards.
Statement credits — $15/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Streaming credit | $15/year | annual · enrollment required |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- 4x dining/takeout/delivery capped at $2,000 spend per quarter (1x after)
- Issued by Elan for hundreds of local banks and credit unions
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who spends abroad. Every purchase in a foreign currency carries a 3.0% foreign transaction fee. On a card earning 1.0¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
- A heavy dining spender. The 4x on dining stops after $2,000 of it per quarter. Past that the same purchases earn its base 1x, so the headline rate describes the first $2,000 only.
Compared head-to-head
- Everyday Rewards+ (Elan) vs Chase Sapphire Preferred — which earns more?
- Everyday Rewards+ (Elan) vs Blue Cash Preferred Card from American Express — which earns more?
- Everyday Rewards+ (Elan) vs Capital One Savor — which earns more?
- Everyday Rewards+ (Elan) vs AAA Daily Advantage Visa Signature — which earns more?
- Everyday Rewards+ (Elan) vs AAA Travel Advantage Visa Signature — which earns more?
- Everyday Rewards+ (Elan) vs PenFed Platinum Rewards — which earns more?
- Everyday Rewards+ (Elan) vs Wells Fargo Autograph — which earns more?
- Everyday Rewards+ (Elan) vs Wyndham Rewards Earner Premier Card — which earns more?
More from Elan Financial Services
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-01 against issuer terms · sources: www.elanfinancialservices.com. Spot an error? Tell us.