Article

Elan Launches Zero+ Consumer and Business Product 

November 03, 2025
A man sits at a table inside a restaurant. He holds a credit card over a payment terminal held by the server.

Designed to enhance our product suite, the new Visa® Zero+ products are an exciting addition to the credit card lineup we offer our partners. These products will replace the current consumer Platinum Card and standard Business Card offerings for all new applications. Both new Zero+ products have no annual fee and offer valuable rewards that were not available with the products they are replacing.

Visa® Zero+ Credit Card
A low intro rate and plenty of extras.

  • Low Intro Rate: Save on interest with a great low introductory rate for an extended time
  • 4% Cash Back on travel booked directly in the Rewards Center when you use your card1
  • $15 Annual Statement Credit after making purchases for 11 consecutive months2
  • Redeem3 for cash back with your Financial Institution1

Visa® Zero+ Business Credit Card
Power your business purchases and rack up rewards.

  • Low Intro Rate: Save on interest with a great low introductory rate for an extended time
  • 5% Cash Back on travel booked directly in the Rewards Center when you use your card4 
  • $50 Annual Credit when you spend $5,000 in the Rewards Center using your card5
  • Redeem3 for cash back with your Financial Institution6

“Offering a product suite that is continuously evolving to meet the needs of today’s consumer is critical. Elan is always working to provide our cardmembers with products that will resonate with them and inspire engagement in new ways.” said Matthew Carpenter, Partnership Development Market Director.

You may view Elan Credit Card’s complete consumer and business product suites at any time. For more information about our agent credit card program, complete the form below to connect with our team.

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  1. You will earn 4% cash back per dollar spent on eligible Net Purchases for prepaid airfare, car rental, attractions and hotel reservations booked directly in the Rewards Center using your Zero+ Card. Net Purchases are Purchases minus credits and returns. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles, or as a Rewards Card. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice. Cash rewards expire 5 years from when they are earned, refer to your Program Rules for full details.

  2. An automatic statement credit of $15 per 12-month period will be applied to your Zero+ Account within 2 statement billing cycles following 11 consecutive calendar months of purchases, if the Account is in good standing (not past due or overlimit). We reserve the right to adjust or reverse any portion or all of any credit for unauthorized purchases or transaction credits.

  3. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice.

  4. You will earn 5% cash back per dollar spent on eligible Net Purchases for prepaid airfare, car rental, attractions and hotel reservations booked directly in the Rewards Center using your Business Zero+ Card. Net Purchases are Purchases minus credits and returns. Cash rewards expire 5 years from when they are earned, refer to your Program Rules for full details.

  5. An automatic statement credit of $50 per card per 12-month period will be applied to your Business Zero+ Account within 1-2 statement billing cycles following $5,000 in travel purchased through the Rewards Center with each eligible card, if the Account is in good standing (not past due or overlimit). This $50 statement credit benefit is available for each card that is issued and makes the required purchases. We reserve the right to adjust or reverse any portion or all of any credit for unauthorized purchases or transaction credits.

  6. Rewards can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within 7 business days, or as a statement credit to your credit card account within 1-2 statement billing cycles, or as a Rewards Card. Redemption values and minimums may vary over time and will be disclosed upon redemption.

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To learn more about Elan Credit Card products and rewards visit our consumer card products and business card products pages, or reach out to your account executive.

Current card offerings subject to change. Reach out to your account executive to confirm the most up to date card information.

Current API offerings subject to change. Reach out to your account executive to confirm the most up to date information.

The creditor and issuer of these credit cards is Elan Financial Services, pursuant to a license from Visa® U.S.A. Inc.