Real Rewards (Elan)
No annual fee · 1.5x on everything else · 3.0% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1.5x | uncapped |
Non-cash perks
- Flat 1.5 points per dollar on everything
- Points expire five years after earning
- 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. One thing on this card rules 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 1.5¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
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.