Our illustration, not the card’s design
Elevations Credit Union credit card
Visa Rewards, Visa, Buff One Visa
No annual fee. 25,000 points after you spend $1,000 in 3 months. Purchase APR 11.74–21%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · elevationscu.com
“25,000 bonus points”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
Elevations Credit Union’s terms
Welcome offer
25,000 points
After you spend $1,000 on purchases in your first 3 months.
- Spending it takes
- $333 a month
- for 3 months
- Tracking since
- Nov 1, 2026
- history will chart every change
The bonus points can be redeemed for cash, gift cards, travel, and merchandise. The offer is subject to the bonus eligibility rules stated in the document.
- Larger than about 50% of the 44 other points bonuses we track.
Who can get it: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
“This bonus offer is not available to either (i) current cardmembers of this credit card, or (ii) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months.”
The issuer’s terms, from its page, as of Nov 1, 2026. Check which bonuses you can get
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $370 | $120 | |
| Typical spender | $550 | $300 | |
| Heavy spender | $910 | $660 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
$120a year
$370 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500.
$300a year
$550 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.
$660a year
$910 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 70% of the 732 cards we track.
- Lower top APR than about 90% of the 163 cards on our Sign-up bonuses list (see the list).
- No annual fee, like about 85% of the 711 cards we track.
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$455 a year
- CareCredit MastercardSynchrony · No annual fee+$410 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$395 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Elevations Rewards
How you earn
- 1×
- Everything else
Points per dollar.
Benefits
- Cell phone
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
- The bonus: If you’ve had this bonus in the last 24 months (2 years), you can’t get it again yet.
Questions
- What is the annual fee?
- None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 1%. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- What is the purchase APR?
- 11.74–21.00% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there an intro APR?
- 0% for 12 months. · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Is there a welcome bonus?
- 25,000 points after $1,000 in purchases in 3 months. · elevationscu.com, since Oct 2, 2026