Frequently asked questions about credit card program partnerships

Elan provides a consumer and business credit card program that allow financial institutions to offer and manage credit cards without handling operations internally. We take a partnership-based approach to credit card program management:

• We fully fund and manage program operations
• We fully fund and manage marketing and product designs
• We provide scalable AI tools and digital capabilities
• We align program strategy with each partner’s goals

This allows financial institutions to deliver competitive products without owning the traditional risks of self-issuing (owning a credit card receivable).

An agent credit card issuing program, also called a sponsoring model, allows financial institutions to offer credit cards while a third-party manages the operational burden of issuing. 

In-house programs require internal resources to manage risk, operations, and compliance, while through an agent partnership, those responsibilities are outsourced to the issuing partner.  

Elan works with banks and credit unions across the United States of all sizes.

Program support includes product design, marketing strategy, underwriting, account management, card processing, credit risk management, fraud protection, customer service, lifecycle management, product development, and digital tools.

To improve marketing and product strategies, card performance, reduce operational complexity, and deliver a digital first cardmember experiences.

Elan provides access to expertise, technology, and optimization strategies that increase portfolio performance and efficiency at no cost to the partner. Partner financial institutions can offer a competitive credit card program without the in-house dedication or investment needed. 

Complete the form below to be connected with an Elan expert to discuss your credit card program goals.