Travel Rewards+ (Elan)
$99 annual fee · 1.5x on everything else · no foreign transaction fees
Terms verified 2026-09-01 against issuer terms
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Travel | 4x 4.0¢ per $1 |
uncapped |
| Gas | 4x 4.0¢ per $1 |
uncapped |
| EV charging | 4x 4.0¢ per $1 |
uncapped |
| Entertainment | 4x 4.0¢ per $1 |
uncapped |
| Everything else | 1.5x 1.5¢ per $1 |
uncapped |
Non-cash perks
- $0 intro annual fee first 12 months, then $99
- Unlimited 4x with no annual cap
- Issued by Elan for hundreds of local banks and credit unions
Does the fee earn out? · how we got this
The $99 fee minus $0 in printed credits leaves $99/yr to earn back through rewards — roughly $2,475 of travel spending at 4x (valuing points at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $99 fee worth it? See the break-even math →
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.
Compared head-to-head
- Travel Rewards+ (Elan) vs Wyndham Rewards Earner Plus Card — which earns more?
- Travel Rewards+ (Elan) vs Chase Sapphire Preferred — which earns more?
- Travel Rewards+ (Elan) vs AAA Travel Advantage Visa Signature — which earns more?
- Travel Rewards+ (Elan) vs Wells Fargo Autograph — which earns more?
- Travel Rewards+ (Elan) vs Royal ONE Plus Visa Signature — which earns more?
- Travel Rewards+ (Elan) vs Wyndham Rewards Earner Premier Card — which earns more?
- Travel Rewards+ (Elan) vs AT&T Points Plus® Card from Citi — which earns more?
- Travel Rewards+ (Elan) vs AAA Daily Advantage Visa Signature — 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.