Elan credit card – mystery solved | Allen Credit Card – Mystery Solved 2025

Elan credit card – While completing the research for this article, admit I was getting a little frustrated. What is it with these companies that have credit card offers that no one can access online? seriously.

what’s the matter? elan credit card – mystery solved

If I’m interested in your organization’s Elan credit card, all I expect is to go online and search for your card and… voila, I see a whole website with all the information I need. It’s not magic; That’s the way things should be, any good marketer knows that.

To my surprise, I didn’t come across this while researching Elen Credit Card. Instead I was greeted with a Card Member Services page for all my search efforts. Now tell me, how can I become a member when I am not even getting information about the credit card offer to decide whether to follow through with the application or not.

Upon further investigation, I realized that the Elan membership page was operated by Elan Financial Services, so I thought that if I went to their site, I might have access to the details of the Elan credit card offer.

elan credit card – mystery solved

once i landed http://www.elanfinancialservices.com It became clear why no specific credit offers appeared on the internet and I will take this opportunity to vent my frustration as I now understand what the announcement is all about.

You see Elan CREDIT CARD is actually a transaction management company that provides credit cards and other financial services to its partners.

They do not offer credit cards to the general public, rather they handle background work such as card authorization processing, system monitoring and point of service transactions to name a few.

You need to be a business entity to avail the services of Elan Credit Card. This is because your business will partner with Elan to provide credit card services to your customers and the day-to-day transaction management will be handled and supported by Elan Financial Services.

For example the following credit cards offered by both these companies are powered by Elan, but the cards are issued in the name of the banks.

Central Pacific Bank Credit Card –

Central Pacific Bank offers a variety of credit card options tailored to different needs, each with its own features and benefits. Here’s an overview based on the latest available information:

• Central Pacific Bank Platinum Card:
• Intro APR: 0% for the first 18 billing cycles on purchases and balance transfers. After that, the APR ranges from 17.74% to 28.74%, depending on your creditworthiness, and varies with the Prime Rate.
• Benefits: Ideal for those looking to save on interest and pay down balances faster, with the flexibility to pay in full or over time.
• Annual Fee: None.
• Central Pacific Bank Everyday Rewards+ Card:
• Intro APR: 0% for the first 6 billing cycles on purchases and balance transfers. Post-intro, the APR is 18.49% to 28.74%, based on creditworthiness.
• Rewards: Earn up to 4X points on the first $2,000 spent each quarter (1X thereafter, with exclusions like discount stores and wholesale clubs) and receive 15,000 bonus points upon signup.
• Annual Fee: None.
• Central Pacific Bank Max Cash Preferred Card:
• Intro APR: 0% for the first 12 billing cycles on balance transfers (within 366 days of account opening). After that, the APR ranges from 18.49% to 28.74%.
• Rewards: Specific cash back details aren’t fully outlined, but it’s designed for maximizing cash rewards.
• Annual Fee: None.
• Central Pacific Bank Reserve Rewards+ Card:
• APR: 18.74% to 28.74% for purchases and balance transfers, based on creditworthiness.
• Rewards: Earn 4X points on travel and more, plus 25,000 bonus points.
• Annual Fee: $390, reflecting premium benefits.
• Central Pacific Bank Business Cash Preferred Credit Card:
• Rewards: Up to 3% cash back for business spending.
• Intro APR: Details align with the Platinum Card (0% for 18 cycles, then 17.74%-28.74%).
• Annual Fee: None.
• Signature Real Rewards Card:
• Intro APR: 0% for the first 6 billing cycles, then 18.49% to 28.74%.
• Rewards: Earn 1.5 points per $1 spent on eligible purchases, aimed at building financial stability.
• Annual Fee: Not specified, likely none based on similar cards.

All these cards come with features like EMV smart chip technology and mobile purchasing capability. For the most current details, including exact terms, conditions, or additional cards, I recommend checking directly with Central Pacific Bank’s official website (cpb.bank) or contacting their customer service at 1-800-558-3424, as offerings and rates can evolve. Would you like me to search for more specific details or analyze something related to these cards?

Bloomfield State Bank

Even if the Elan option doesn’t work out, there are many other credit card offers available in the market. You can search through several different categories to find the right card for your circumstances. Categories include:

Airline Credit Card –

An airline credit card is a type of rewards credit card that is typically co-branded with an airline. These cards allow users to earn miles or points for purchases made on the card, which can then be redeemed for flights, upgrades, and other travel-related benefits. Many airline credit cards also offer perks such as priority boarding, free checked bags, and access to airport lounges.

There are two main types of airline credit cards:

1. Co-branded Airline Credit Cards: These cards are issued in partnership with a specific airline (e.g., Delta SkyMiles, American Airlines AAdvantage). They often offer additional rewards and benefits for spending on flights with that airline.
2. General Travel Credit Cards: These cards earn flexible points or miles (e.g., Chase Sapphire, American Express Platinum) that can be transferred to various airline loyalty programs. This type of card offers more flexibility than co-branded airline cards.

Some of the common features of airline credit cards include:

• Sign-up bonus: A large bonus of miles or points after spending a certain amount within the first few months of opening the account.
• Earning rewards: You can earn miles for every dollar spent, with extra miles for purchases with the airline or travel-related purchases.
• Free checked bags: Many airline cards offer free checked luggage for cardholders and sometimes for companions on the same reservation.
• Priority boarding: Some cards allow you to board earlier on flights.
• Companion pass or upgrade opportunities: Certain cards offer a free companion ticket or the chance to upgrade to a better seat class.
• Access to airport lounges: Premium airline cards often grant access to airport lounges, which can make your travel experience more comfortable.

Would you like recommendations for specific airline credit cards or help with any details on how to choose one?

Balance Transfer Credit Card

A balance transfer credit card is a type of credit card that allows you to transfer existing debt (balances) from other credit cards or loans onto the new card, typically with a lower interest rate. The main benefit of a balance transfer card is that it can help you save on interest if you’re carrying high-interest debt, as many balance transfer cards offer a 0% APR (Annual Percentage Rate) for a promotional period, which usually lasts anywhere from 6 to 18 months.

Here’s how balance transfer credit cards work and their key features:

Key Features of a Balance Transfer Credit Card:

1. 0% APR Introductory Offer:
   • Many balance transfer cards offer 0% APR for an introductory period (usually 6 to 18 months), which means you don’t pay any interest on the transferred balance during that time. This can help you pay down your debt more quickly since all your payments go toward the principal balance.
2. Balance Transfer Fees:
   • When transferring a balance, most cards charge a balance transfer fee, which is typically 3-5% of the amount transferred. It’s important to calculate whether the interest savings from the 0% APR offer outweigh the cost of the balance transfer fee.
3. Regular APR After Introductory Period:
   • After the promotional 0% APR period ends, the card will revert to a higher regular APR (which can range from 15% to 25% or more), so it’s essential to pay off the balance before the promotional period expires.
4. Credit Limit:
   • Your credit limit will dictate how much you can transfer. Some cards may only allow you to transfer part of your existing balances, depending on your credit limit and the card issuer’s policies.
5. Debt Repayment Strategy:
   • Since balance transfer cards typically have a fixed promotional period, it’s important to create a debt repayment strategy. You’ll need to ensure that you pay off the balance within that period to avoid interest charges after it expires.
6. No Rewards for Transfers:
   • In most cases, balance transfer cards don’t offer rewards for transferring balances. The primary benefit is saving on interest, not earning points or cash back.

When to Consider a Balance Transfer Credit Card:

• You have high-interest debt: If you’re carrying credit card debt with high-interest rates (e.g., 18% or higher), a balance transfer card with a 0% APR offer can help reduce the amount of interest you pay while paying down the principal faster.
• You can pay off the debt within the introductory period: Ideally, you should aim to pay off the transferred balance within the 0% APR period, so you avoid paying any interest at all.

Things to Keep in Mind:

• Don’t add new purchases: If you continue to make new purchases on the balance transfer card, those will often be subject to the card’s regular APR, which may be higher than the 0% APR offer. Try to use the card only for the balance transfer and focus on paying it off.
• Transferring balances from the same issuer: Some credit card issuers don’t allow balance transfers between cards they issue (e.g., transferring a balance from one Chase card to another Chase card), so you may need to find a card from a different issuer.

Examples of Balance Transfer Credit Cards:

1. Chase Slate Edge℠:
   • 0% APR for the first 18 months on balance transfers.
   • No balance transfer fee for the first 60 days.
   • After that, balance transfer fee is 5% (minimum $5).
2. Citi® Diamond Preferred® Card:
   • 0% APR for 18 months on balance transfers.
   • 3% balance transfer fee (min. $5).
   • After the introductory period, the regular APR applies.
3. Discover it® Balance Transfer:
   • 0% APR for 18 months on balance transfers.
   • 3% balance transfer fee in the first 4 months (then 5%).
   • Offers cashback rewards on purchases after the balance is transferred.

Would you like help with finding a specific card or calculating whether a balance transfer is a good option for you?

business credit card

It seems like you’re interested in information about business credit cards! Since your request is quite broad, I’ll provide a general overview based on the latest insights available to me as of March 23, 2025. If you have a specific question—like the best options for 2025, how to apply, or what benefits they offer—feel free to clarify, and I’ll tailor the response further!

A business credit card is a financial tool designed specifically for business expenses, helping owners manage cash flow, track spending, and often earn rewards tailored to business needs. Unlike personal credit cards, they typically offer higher credit limits, business-oriented perks (like expense management tools or discounts on office supplies), and the ability to issue cards to employees. They’re available to a wide range of businesses— from freelancers and sole proprietors to large corporations—though eligibility often depends on factors like your business’s revenue, time in operation, and your personal or business credit history.

Key Benefits:

• Separate Finances: Keeps business and personal expenses distinct, simplifying accounting and tax preparation.
• Rewards: Many cards offer cash back, travel miles, or points on common business purchases (e.g., travel, shipping, or advertising).
• Credit Building: Responsible use can help establish or improve your business credit score, which is crucial for future financing.
• Flexibility: Provides quick access to funds for unexpected expenses or short-term cash flow gaps.

Things to Consider:

• Fees: Some cards have annual fees, foreign transaction fees, or high APRs if you carry a balance.
• Personal Guarantee: Most require you to personally back the debt, meaning your personal credit could be affected if payments are missed.
• Rewards Fit: Choose a card that aligns with your spending—travel-heavy businesses might prefer miles, while office-based ones might lean toward cash back.

Popular options in 2025 (based on trends and evaluations up to this point) often include cards like the Chase Ink Business Unlimited® Credit Card for flat-rate cash back, the American Express® Business Gold Card for flexible rewards on business categories, or the Capital One Spark Cash Plus for unlimited 2% cash back with no preset limit (though it’s a charge card requiring full monthly payment). Secured cards, like the Bank of America Business Advantage Unlimited Cash Rewards Secured, are also great for businesses building credit.

If you’d like recommendations based on your specific business needs (e.g., no annual fee, travel perks, or bad credit options), or details on how to apply, let me know!

Bad credit credit card –

A bad credit credit card is designed for people who have poor or limited credit histories and may not qualify for traditional credit cards. These cards are a tool to help rebuild or improve your credit score over time by demonstrating responsible credit usage.

There are generally two types of bad credit credit cards:

1. Secured Credit Cards:

A secured credit card requires a security deposit as collateral, which typically becomes your credit limit. For example, if you deposit $200, your credit limit will be $200. The deposit reduces the risk for the credit card issuer, which makes it easier for individuals with bad credit to get approved.

Key Features of Secured Credit Cards:

• Credit Limit: Usually equal to the deposit you make, though some issuers may offer a higher limit after several months of good payment history.
• Building Credit: Secured cards report to the major credit bureaus, allowing you to rebuild your credit score if you make timely payments.
• Deposit Refund: If you eventually upgrade to an unsecured credit card or close the account in good standing, you can typically get your deposit back.
• Fees: Some secured cards have annual fees, but there are also many no-annual-fee options.

Examples of Secured Credit Cards:

• Discover it® Secured Credit Card:
  • No annual fee.
  • 1% cashback on most purchases and 2% at restaurants and gas stations (on up to $1,000 in combined purchases each quarter).
  • Reports to all three credit bureaus to help you build credit.
  • You can get your deposit refunded after responsible use and upgrade to an unsecured card.
• Capital One Secured Mastercard®:
  • No annual fee.
  • $49, $99, or $200 deposit required for a credit limit of $200 (based on creditworthiness).
  • Reports to all three major credit bureaus.
  • Potential to increase your credit limit after making your first five monthly payments on time.

2. Unsecured Credit Cards for Bad Credit:

Unsecured credit cards don’t require a deposit but typically come with higher interest rates and lower credit limits due to the greater risk the issuer assumes. These cards are more difficult to get approved for with bad credit, but they still offer an opportunity to rebuild credit.

Key Features of Unsecured Credit Cards:

• No Security Deposit: You won’t need to put down any deposit upfront, but you may face higher interest rates.
• Higher Fees: These cards may come with higher fees, including annual fees, monthly maintenance fees, or processing fees.
• Credit Reporting: These cards typically report to all three major credit bureaus, helping you improve your credit score if used responsibly.

Examples of Unsecured Credit Cards for Bad Credit:

• Credit One Bank® Platinum Visa® for Rebuilding Credit:
  • $0 annual fee option (but higher fees for certain activities like late payments).
  • Reports to all three major credit bureaus.
  • Offers 1% cashback on eligible purchases.
  • High APR (interest rate) for carrying a balance.
• Indigo® Platinum Mastercard®:
  • No security deposit required.
  • Reports to the credit bureaus to help you rebuild your credit.
  • May come with a higher annual fee, depending on your credit profile.

General Tips for Using Bad Credit Credit Cards:

• Make On-Time Payments: Payment history is one of the most important factors in your credit score. Always make at least the minimum payment on time.
• Keep Utilization Low: Ideally, try to use no more than 30% of your credit limit. This shows that you’re using the credit responsibly without overextending yourself.
• Pay in Full: If possible, pay off the balance in full each month to avoid paying interest and reduce your overall debt faster.
• Check Your Credit Report: Make sure your credit card issuer is reporting your payments correctly to the credit bureaus. You can get a free credit report from each bureau once a year at AnnualCreditReport.com.

Would you like help in finding the best option for your situation, or do you need more details about any specific cards?

Rewards Credit Card –

A rewards credit card allows you to earn rewards (such as points, miles, or cashback) on your purchases. These cards are great for people who want to earn something back from their spending, whether it’s for travel, everyday expenses, or special perks. There are various types of rewards credit cards, and choosing the right one depends on your spending habits and the type of rewards you’re interested in.

Types of Rewards Credit Cards:

1. Cashback Credit Cards:
   • These cards offer a percentage of your purchases as cash back. Some cards offer a flat rate on all purchases (e.g., 1.5% or 2% cashback on every purchase), while others may offer higher rates in specific categories (e.g., 5% on groceries, 2% on dining).
   • Best for: People who want straightforward rewards with no need to track points or miles.
   Example:
   • Citi® Double Cash Card:
     • 2% cashback: 1% when you make a purchase and 1% when you pay it off.
     • No rotating categories or spending limits.
     • No annual fee.
2. Travel Rewards Credit Cards:
   • These cards earn points or miles that can be redeemed for travel-related rewards such as flights, hotel stays, car rentals, or even experiences. Many of these cards are co-branded with airlines or hotel chains.
   • Best for: Frequent travelers who want to earn rewards for their travel expenses and who want to redeem points or miles for flights, hotels, or upgrades.
   Example:
   • Chase Sapphire Preferred® Card:
     • 2x points on travel and dining.
     • 1x point on all other purchases.
     • Points can be transferred to travel partners (airlines, hotels) or redeemed for travel through Chase Ultimate Rewards.
     • 60,000 bonus points if you spend $4,000 in the first 3 months.
     • $95 annual fee.
3. Points Rewards Credit Cards:
   • These cards offer points instead of miles or cash back, and they often allow more flexibility in how you redeem them. Points can be used for travel, merchandise, gift cards, or even statement credits.
   • Best for: People who prefer flexibility in how they use their rewards and want to be able to redeem for various products or experiences.
   Example:
   • American Express® Gold Card:
     • 3x points on dining worldwide, 3x points on flights booked directly with airlines or on amextravel.com.
     • 1x point on other purchases.
     • 60,000 Membership Rewards® points if you spend $4,000 in the first 6 months.
     • $250 annual fee.
4. Rotating Category Rewards Cards:
   • These cards offer higher rewards in specific categories that rotate every quarter (e.g., 5% on groceries, gas, restaurants, etc.). You must activate the categories each quarter, and there’s usually a spending cap.
   • Best for: People who are willing to track categories and want to maximize their rewards in the rotating categories.
   Example:
   • Discover it® Cashback:
     • 5% cashback on rotating categories (up to the quarterly limit, activation required) and 1% on all other purchases.
     • No annual fee.
     • Cashback match at the end of your first year (Discover will match all the cashback you’ve earned).

How to Choose the Best Rewards Credit Card:

1. Identify Your Spending Categories:
   • Determine where you spend the most money (e.g., dining, travel, groceries, gas) and choose a rewards card that offers the best rewards in those categories.
2. Consider Sign-Up Bonuses:
   • Many rewards cards offer large sign-up bonuses, often after meeting a minimum spending requirement within the first few months. This can be a great way to get a significant amount of rewards quickly.
3. Evaluate Redemption Flexibility:
   • Some cards allow you to transfer points to airline or hotel partners for better value (like Chase Ultimate Rewards), while others may offer more straightforward cashback redemption.
4. Look at Annual Fees:
   • Some rewards cards charge annual fees, which can range from $95 to $550 or more. Make sure the rewards you earn outweigh the annual fee, especially if you don’t use the card for travel benefits or other perks that justify the cost.
5. Check for Foreign Transaction Fees:
   • If you travel abroad often, look for a card with no foreign transaction fees, as some cards charge a fee of 2-3% for purchases made outside the U.S.
6. Review APR and Interest Rates:
   • If you tend to carry a balance, consider the APR, though it’s generally better to pay off your balance in full to avoid interest charges.

Examples of Popular Rewards Credit Cards:

1. Chase Sapphire Preferred® Card (Travel Rewards):
   • 2x points on travel and dining.
   • 1x point on all other purchases.
   • 60,000 points bonus after spending $4,000 in the first 3 months.
   • $95 annual fee.
2. Blue Cash Preferred® Card from American Express (Cashback):
   • 6% cashback on groceries (up to $6,000 annually), 3% on transit, 1% on all other purchases.
   • $300 statement credit after spending $3,000 in the first 6 months.
   • $95 annual fee.
3. Capital One® Venture® Rewards Credit Card (Travel Rewards):
   • 2x miles on every purchase.
   • 50,000 miles bonus after spending $3,000 in the first 3 months.
   • $95 annual fee.

Would you like help choosing the right rewards card based on your spending habits, or do you have a specific type of rewards card in mind?

Student credit card –

A student credit card is specifically designed for college students or young adults who are new to credit. These cards help you build your credit history responsibly while offering a lower credit limit and fewer features compared to regular credit cards. Student credit cards can be a great way to start learning about credit management, earning rewards, and establishing a positive credit history early on.

Key Features of Student Credit Cards:

1. Low Credit Limits:
   • Student credit cards typically come with lower credit limits (often $500 to $1,000), which helps limit the risk of overspending. However, this also encourages responsible credit usage.
2. Lower Interest Rates:
   • While the APR (annual percentage rate) on student credit cards might still be relatively high, it is often lower than for other types of credit cards designed for people with little to no credit history.
3. Rewards and Benefits:
   • Some student credit cards offer cashback, rewards points, or miles for purchases. This is an attractive feature for students who want to earn rewards on their everyday spending (e.g., groceries, gas, or dining).
4. No Annual Fees:
   • Many student credit cards have no annual fee, which is ideal for students who may have limited funds.
5. Cash Back or Rewards:
   • Some student credit cards offer cash back on specific categories (e.g., dining, groceries), while others provide a flat rate on all purchases. The rewards can be used to help pay off the balance or for other purposes.
6. Build Credit:
   • Student credit cards report your credit activity to the three major credit bureaus (Equifax, Experian, and TransUnion), which can help you build a positive credit history and improve your credit score if you manage the card responsibly.
7. Education and Resources:
   • Many student credit cards come with educational resources to help you learn about budgeting, credit management, and financial responsibility. Some even offer tools to track spending and set up payment reminders.

Popular Student Credit Cards:

1. Discover it® Student Cash Back:
   • Cashback: 5% cashback on rotating categories (e.g., groceries, gas, etc.) (up to $1,500 in purchases each quarter, activation required) and 1% on all other purchases.
   • Bonus: Cashback match at the end of your first year (Discover will match all the cashback you’ve earned).
   • APR: 0% intro APR on purchases for the first 6 months, then 17.24% – 26.24% variable APR.
   • Annual Fee: $0
   • Additional Perks: No annual fee, free access to your FICO® Credit Score, and the ability to redeem cashback for gift cards or statement credits.
2. Chase Freedom® Student Credit Card:
   • Cashback: 1% on all purchases.
   • Bonus: $50 bonus after your first purchase made within the first 3 months.
   • APR: 16.49% – 25.24% variable APR.
   • Annual Fee: $0
   • Additional Perks: Free access to your credit score, 1% cashback on every purchase, and no annual fee.
3. Capital One® QuicksilverOne® Cash Rewards Credit Card (for students with some credit history):
   • Cashback: 1.5% on every purchase, every day.
   • Bonus: No bonus, but consistent cashback on all purchases.
   • APR: 26.99% variable APR.
   • Annual Fee: $39
   • Additional Perks: No rotating categories, and unlimited 1.5% cashback on all purchases.
4. Citi® Rewards+℠ Student Card:
   • Cashback: 2x points at supermarkets and gas stations (up to $6,000 per year, then 1x), 1x points on all other purchases.
   • Bonus: 2,500 bonus points after making $500 in purchases in the first 3 months.
   • APR: 0% intro APR on purchases for the first 7 months, then 19.74% – 29.74% variable APR.
   • Annual Fee: $0
   • Additional Perks: Earn 10% points back for the first 100,000 points you redeem annually, which makes this a great card for earning rewards.

Tips for Using a Student Credit Card Responsibly:

1. Pay Your Bill on Time: Always pay at least the minimum payment by the due date to avoid late fees and damage to your credit score. Try to pay the full balance to avoid interest charges.
2. Keep Your Credit Utilization Low: Try not to use more than 30% of your credit limit. If you have a $1,000 limit, aim to keep your balance below $300. This can help boost your credit score.
3. Track Your Spending: Keep an eye on your purchases so you don’t overspend. Many credit card issuers provide apps or websites to help you track your spending and manage your budget.
4. Avoid Only Making the Minimum Payment: While paying the minimum prevents late fees, it doesn’t help you reduce the balance quickly. Paying more than the minimum will reduce your debt faster and save you money on interest.
5. Build Credit History: Using your student credit card responsibly will help you establish a positive credit history, which can help you in the future when applying for loans, renting an apartment, or applying for a more premium credit card.

Conclusion:

Student credit cards are a great way for young adults and college students to start building their credit. By choosing the right card, using it responsibly, and making on-time payments, you can build a solid credit history that will benefit you in the long run. If you’re new to credit, it’s crucial to choose a card with no annual fee, manageable APR, and rewards that suit your spending habits.

These are just some of the categories available, so don’t delay, start your credit card search today.