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Platinum Visa

Get a $200 Cash Bonus1 when you open and use a new Elements credit card

Apply Now

Or call 1-800-621-2105

Platinum Visa Purchases & Balance Transfers
Introductory APR for 6 Months  0%
Variable APR after 6-Month Intro Period  13.24%
Balance Transfer Fee  0%

Platinum Visa Introductory APR (Annual Percentage Rate) good for six months. Elements Financial loans are not eligible for payoff with introductory balance transfer offers. Subject to credit approval. Additional limitations, terms, and conditions apply. After introductory period your Standard variable APR for Purchases and Balance Transfers will be 13.24% for Platinum Visa. Rate effective February 1, 2025, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Elements reserves the right to amend or discontinue offers at any time. Terms & Conditions.

Platinum Visa

Pay off your balance sooner with a low rate.

CARD BENEFITS

  • Featuring our lowest rate
  • No late fee if you miss a payment
  • $200 Cash Bonus just by using your card1
  • 0% Intro APR for 6 months on purchases and balance transfers
  • After the intro period, a variable APR of 13.24% for purchases and balance transfers2
  • No balance transfer fees3
  • No annual fee3
  • The convenience of paying at retailers with a tap, a swipe, or a chip

MAY BE A GOOD CHOICE IF

  • You want to pay off your credit card balance sooner with a low rate
  • Trade-off: Doesn’t offer cash back or rewards

Compare to Other Credit Cards

Special Offer from logo for Elements Financial

Get a $200 Cash Bonus1 when you open and use a new Elements credit card
ELEMENTS CREDIT CARDS

How does the Platinum Visa compare to other credit card options?

This credit has a lower interest rate and no late fee if you miss a payment. It does not include a rewards program, though.

  Elements Platinum Visa Elements Signature Rewards Visa Indianapolis Indians Signature Rewards Visa Elements Cash Rewards Visa
Key Benefit Pay off your balance sooner with a low rate Earn rewards for purchases, e.g. travel and gift cards Pay with pride and support the Indianapolis Indians, plus earn rewards for purchases Earn cash back for purchases4
Intro APR for 6 months for Purchases & Balance Transfers5 0% 0% 0% 0%
Variable APR After 6-month Intro Period 13.24%2 15.24%6 15.24%7 17.24%8
Cash Back Offer1 $200 cash bonus $200 cash bonus $200 cash bonus $200 cash bonus
Rewards Features Pure Perks Rewards where you can earn 1.50 points to the dollar with every purchase.9 Features many special perks for you to enjoy at Victory Field and our Pure Perks Rewards program where you can earn 1.50 points to the dollar with every purchase.10 Earn 1% cash back on every eligible purchase with Pure Perks4
Balance Transfer Fee None3 None11 None12 None3
No Annual Fee
Special Feature No late payment fee No international transaction fee No international transaction fee plus $100 Donation to support the Indianapolis Indians Charities13
Auto Rental Collision Damage Waiver
Cardholder Inquiry Service
Emergency Card Replacement
Lost or Stolen Card Reporting
Purchase Security
Zero Liability Policy
Roadside Dispatch
Travel & Emergency Assistance Services
Travel Accident Insurance

Covering up to $100,000

Covering up to $250,000

Covering up to $250,000

Covering up to $100,000

Lost Luggage Replacement
Extended Warranty Protection