College Rewards VisaŽ Card Application
Application Introduction - Step 1 of 3
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Our privacy policy allows personal information to be displayed for 15 minutes of inactivity. After 15 minutes of inactivity your personal information will not be kept and you will be asked to start your application process over. We apologize for any inconvenience this may cause you.
This is an individual application: I am applying in my own name. (As required by Wisconsin law, if you are a married Wisconsin resident, you will be required to provide spousal name and address information in the process of completing this application. The Issuer may give notice of the opening of any credit account to the applicant's spouse.)
Note: If married, you may apply for a separate account in your own name. If you reside in a community property state, such as AZ, CA, ID, LA, NV, NM, TX, WA or WI, the Assets of your marital community will be liable in this account even if you apply for a separate account and this application is not signed by your spouse (unless you attach a statement that you wish to apply for a separate account based solely on your separate Assets). If you reside in a community property state, credit extended under this account will be incurred for a community benefit.
Application Steps
Step 1: View the Application Terms and Conditions
Terms and Conditions must be reviewed and accepted before the application process can continue.
Step 2: Complete Application
Please accurately complete the information on the following screens.
Step 3: Submit Application
Upon submission of your application, you should receive a decision within minutes. Please remain online to receive your final decision and information about product acceptance.
Terms and Conditions
Terms and Conditions must be reviewed and accepted before the application process can continue.
College Rewards VisaŽ Card Terms and Conditions
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

Disclosure of Credit Card Terms
Interest Rates and Interest Charges College Rewards VisaŽ Card
Annual Percentage Rate (APR) for Purchases College Rewards: 11.99% to 22.99% based on your creditworthiness when you open your account.
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers College Rewards: 11.99% to 22.99% based on your creditworthiness when you open your account.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances College Rewards: 23.99%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies Not applicable
How to Avoid Paying Interest on Purchases Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Fees College Rewards VisaŽ Card
Annual Fee
Annual Membership Fee
Transaction Fees
Balance Transfer
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
Convenience Check Cash Advance1
Either 3% of the amount of each advance or $5 minimum, whichever is greater.
Cash Advance ATM
Either 4% of the amount of each advance or $10 minimum, whichever is greater.
Cash Advance
Either 4% of the amount of each advance or $10 minimum, whichever is greater.
Cash Equivalent Advance
Either 4% of the amount of each advance or $20 minimum, whichever is greater.
Overdraft Protection2
Foreign Transaction
2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars
3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Penalty Fees
Late Payment
Up to $38
Returned Payment
Up to $35
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).'

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement.

This information is accurate as of 08/2015 and is subject to change after this date. For current information, please contact Elan Financial Services at P.O. Box 6354, Fargo, ND 58125-6354 or call us at 1-866-951-1389 (TDD 1-888-352-6455) for any changes
1Not all products receive Convenience Checks.
2Not all products offer Overdraft Protection.
Notice to New York Residents: You may contact the New York State Department of Financial Services by telephone at (800)342-3736 or visit its website at for free information on comparative credit card rates, fees and interest-free periods.
 Notice to California Residents: An applicant, if married, may apply for a separate account.
Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statutes or court decree under section 766.70, adversely affects our interest unless we, prior to the time the credit is granted or an open-end credit plan is entered into, are furnished a copy of the agreement, decree or court order, or have actual knowledge of the adverse provision. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.
Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

By submitting this application, you understand and agree that Elan Financial Services (“we,” “us” or “our”), as the creditor and issuer of your Account, will rely on the information provided here in making this credit decision, and you certify that such information is accurate and complete to the best of your knowledge. If we open an Account based on this Application, you will be individually liable (or, for joint Accounts, individually and jointly liable) for all authorized charges and for all fees referred to in the most recent Cardmember Agreement, which may be amended from time to time. We may request consumer credit reports about you for evaluating this Application and in the future for reviewing Account credit limits, for Account renewal, for servicing and collection purposes and for other legitimate purposes associated with your Account. Upon your request, we will inform you if a consumer report was requested and, if it was, provide you with the name and address of the consumer reporting agency that furnished the report.  By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are expressly consenting to receiving communications—including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system—from us and our affiliates and agents at that number. This express consent applies to each such telephone number that you provide to us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.  By signing above, you also agree that we may verify your employment, income, address and all other information provided with other creditors, credit reporting agencies, employers, third parties and through records maintained by federal and state agencies (including state motor vehicle departments) and waive any rights of confidentiality you may have in that information under applicable law. You agree that, in order to open and administer the Account that may be established as a result of this Application, we and the correspondent financial institution that solicited this Application may share certain information about you and your ongoing Account activity. By submitting this application, you certify that you read and understood the disclosures here and you agree to the terms of this Application.

Overdraft Protection:
Overdraft Protection helps protect your Associated Bank checking account designated below from overdrafts by having cash automatically advanced to that checking account from your Associated Visa® Card Account, provided by Elan Financial Services. To obtain Overdraft Protection, this portion of the application must be completed and signed.

Overdraft Protection Terms and Conditions:
When your Available Balance in your Associated Bank Checking Account is not sufficient to cover items and transactions presented for payment on any business day, Associated Bank will automatically obtain an Overdraft Protection Advance from the designated Associated Visa Card Account, subject to the following conditions:

1. Regardless of the actual amount needed to cover the overdraft for that business day, the minimum amount of each automatic advance transferred to Associated Bank for Overdraft Protection will be in increments of $100.00. The actual amount of the automatic transfer requested by Associated Bank will be in the nearest $100.00 increment above the total overdraft amount for that business day.

2. Any transfer will post as an Overdraft Protection Advance and be treated as a Cash Advance drawn on your Associated Visa Card, and each advance will accrue periodic rate finance charges and fees according to the terms of your Cardmember Agreement then in effect for your Associated Visa Card Account. See Terms and Conditions in the Cardmember Agreement for complete information about periodic rate finance charges and fees for Cash Advances made from the Associated Visa Card Account.

3. Associated Bank overdraft protection transfer fees may also apply. Please refer to the Associated Bank Consumer Deposit Account Fee Schedule for details. Associated Bank, N.A. is a Member FDIC.

4. Associated Bank will not be obligated to pay an item or transaction that would overdraw the Associated Bank Checking Account by more than the total available funds in the checking account and credit available in your Associated Visa Card Account. The availability of funds advanced for Overdraft Protection from your Associated Visa Card Account is subject to the terms and conditions of the Cardmember Agreement, as amended from time to time. Note: If you use your Associated Bank debit card at an ATM or point-of-sale and do not have a sufficient available balance in your Associated Bank Checking Account to cover the transaction, the transaction may be declined; even if you have a sufficient Cash Advance limit under your credit card for an Overdraft Protection Advance to the Associated Bank Checking Account.

5. You understand and agree that your overdraft protection will be terminated automatically, without notice to you, if either of the designated accounts is closed for any reason by any party.

6. Advances for Overdraft Protection may be referred to as either “Overdraft ProtectionAdvances” or “Financial Institution Cash Advances” in the Cardmember Agreement,account disclosures, and periodic statements.

Rewards Program Rules:  We will award one point for each dollar of “net purchases” (purchases minus returns/credits) charged to a Visa College Rewards Card Account during each statement period.  Points will not be awarded to a cardmember for “net purchases” during a statement period if the cardmember’s Account is not open and current on the statement closing date. Points will not be awarded for Cash Advances or other Account Advances as defined in the Cardmember Agreement.  Visa College Rewards cardmembers can redeem points for Cash Back, Gift Certificates, Name Brand Merchandise, Discounted Travel and more. Points expire five years from the end of the quarter in which they are earned. Complete terms and conditions for the Rewards Program will be provided to Visa College Rewards cardmembers. Rewards are administered by a third party.
By checking the box below and clicking Continue, you acknowledge and agree to the Terms and Conditions.
I accept the Terms and Conditions.
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