Travel Rewards+ Card
Make travel more rewarding with 4X points on travel and popular categories.
4X points
on travel, entertainment, and recreation purchases1
4X points
at gas stations and EV charging stations**
**excludes discount stores/supercenters and wholesale clubs
1.5X points
on all other eligible purchases
Travel more. Earn more. Repeat.
Redeem points2 for
Travel – air travel, hotel stays, rental cars and more
Cash back2,4 – 2,500 points for $25 cash back
Merchandise – music, movies, books, electronics
Brand name gift cards – over 125 brands of retailers and restaurants
Annual Fee
$0 introductory annual fee for the first 12 months. After that, $99 First Farmers & Merchants bank Travel Rewards+ Card Terms & Conditions
Now pay over time with a Card ExtendPay plan
Split purchases into affordable payments with no interest – just a low, fixed monthly fee*.
New cardmembers receive a $0 fee offer on ExtendPay plans opened in the first 60 days after account opening.
APR for Purchases:
18.99% to 28.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First Farmers & Merchants bank Travel Rewards+ Card Terms & Conditions
25,000 bonus points
(worth up to $2502)
when you spend $2,000 within the first 120 days3
Plus,
Airport lounge access -- Complimentary Priority Pass™ Select Membership that gives access to more than 1,600 VIP lounges and experiences5
APR for Balance Transfers:
18.99% to 28.99% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. First Farmers & Merchants bank Travel Rewards+ Card Terms & Conditions
Elan Financial Services may change APRs, fees and other Account terms in the future based on your experience with it and its affiliates as provided under the Cardmember Agreement and applicable law.
Subject to credit approval.
The Elan Reward Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Subject to applicable law, you may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
- *Elan Card ExtendPay fees: A monthly fee not to exceed 1.6% of the original principal amount in an Elan Card ExtendPay plan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance. ExtendPay fees are calculated based upon the original principal amount, Purchase APR, and other factors. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for ExtendPay plans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.
- 1 You will earn 1.5 Points for every $1 in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn 2.5 Points (4 Points total) for every $1 in eligible net purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station, electric vehicle charging station, entertainment, and recreation category codes. IMPORTANT CHANGE: Effective April 22, 2025, you will earn 2.5 Points (4 Points total) for every $1 in eligible net purchases during each billing cycle from merchants classified in qualifying travel (such as purchases made directly from airlines, hotels, car rental companies, taxicabs, limousines, passenger trains and cruise line companies), gas station, electric vehicle charging station (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart), entertainment, and recreation category codes. Additional Points for Entertainment and Recreation purchases are dependent on how merchants choose to classify their business. Merchants classified as Entertainment include: most cinemas, theme parks, concert venues, professional sports venues, and qualifying ticket sellers. Merchants classified as Recreation include: sports and recreation facilities that charge membership fees, sporting goods stores, public golf courses, fitness centers, dance studios and schools, and ongoing fitness subscriptions. Purchases from third parties and consultants at these locations may not qualify. A purchase will not earn additional Points if the merchant's selected code is in a category that is not eligible for additional Points earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional Points. Points expire five years from the end of the quarter in which they are earned.
- 2 Maximum Point value applies to points redeemed as a cash deposit into an eligible checking or savings account with this Financial Institution. The redemption value may be different if you choose to redeem your points for other rewards such as travel, merchandise, gift cards, and/or a statement credit. Other restrictions apply. Minimum redemption amounts may vary and are subject to change without notice.
- 3 If you’re approved for a new Travel Rewards+ Card, a one-time 25,000 bonus points will be awarded after eligible net purchases totaling $2,000 or more are made to your account within 120 days from account opening. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement.
- 4 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited 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.
- 5 Certain terms, conditions and exclusions apply. Number of lounges and experiences is subject to change. Cardholders must enroll to receive a 12-month Priority Pass Select membership to access, with their accompanying guests, airport VIP lounges worldwide that participate in the Priority Pass Select program. Enrollment with no membership fee is limited to one account cardholder (including authorized users). Please view the Guide to Benefits (mycardgtb.com/travelrewardsvs) for further card benefit details including full terms and conditions.
The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.