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Enjoy the everyday convenience of a non-rewards card — all while saving on interest and paying down your other credit cards faster.

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards

Contact a Professional

Orange County

Al De Grassi

Senior Vice President, Director of Commercial Banking

Phone: 949.502.4364
Mobile: 714.342.0690
[email protected]

Kristine Chung

Senior Vice President, Director of Commercial Banking

Phone: 714.464.1072
Mobile: 714.308.2368
[email protected]

Riverside/San Bernardino Counties

Thomas Galindo

Executive Vice President, Regional President

Phone: 951.368.1372
Mobile: 951.206.9806
[email protected]

Coachella Valley

Brian J. Johnston

Senior Vice President, Director of Commercial Banking

Phone: 760.834.6701
Mobile: 760.673.6128
[email protected]

Santa Barbara County

Brooks Wise

Executive Vice President, Regional President

Phone: 805.369.5029
Mobile: 805.657.4793
[email protected] 

Bibi Moezzi

Senior Vice President, Director of Commercial Banking
NMLS# 1104791

Phone: 805.879.7106
Mobile: 805.657.4863
[email protected]

San Diego County

Stephen Friedman

Executive Vice President, Regional President

Phone: 858.729.7717
[email protected]

San Luis Obispo County

Rob Osterbauer

Executive Vice President, Regional President

Phone: 805.369.5201
Mobile: 805.574.3734
[email protected] 

Austin Petty

Senior Vice President, Director of Commercial Banking

Phone: 805.270.3110
Mobile: 805.319.5603
[email protected] 

Los Angeles County

Jocelyn Pastore

Executive Vice President, Regional President

Phone: 310.943.5330
Mobile: 310.570.8117
[email protected]

Los Angeles - Southbay

Darrell Daniel III

Senior Vice President, Sr. Relationship Manager

Phone: 949.502.4311
[email protected]

Arizona / Nevada

Kevin Cutter

Executive Vice President, Regional President

Phone: 520.202.4222
Mobile: 520.330.1088

Washington / Oregon

Tami Nesburg

Senior Vice President, Director of Commercial Banking

Phone: 360.694.6991
Mobile: 360.241.5281

1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.

2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional Points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers, and service stations or restaurants is unlimited. Points expire five years from the end of the quarter in which they are earned.

3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $2,000 or more are made to your account within three months from account opening.

4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. 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).

5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

6 Rewards PLUS: Points expire five years from the end of the quarter in which they are earned. You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account. You may earn additional Points for purchases at merchants that are classified as: airlines, cellular phone services, or hotels (each, a “Category”). You will earn an additional 1.5 Reward Points (for a total of 3 Reward Points) for each dollar of Net Purchases in the one Category that has the highest total Net Purchases charged to your Account (the “Highest Category”) during each billing cycle.

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