VisaElan Max Cash Preferred Visa
The U.S. Bank Cash+ formula in white-label form, sold through hundreds of community banks and credit unions.
Welcome Bonus
$150
≈$150 value
Spend Requirement
$500
in 3 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $150 bonus after $500 in eligible net purchases within 90 days
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xTwo categories you choose
- 2xOne everyday category you choose
- 1xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Your local credit union's branding, Elan's underwriting: the same card lives at hundreds of institutions
- ✦Choose-your-own 5% categories mirror the U.S. Bank Cash+ lineup
- ✦Reportedly easier approvals than the Cash+ itself
Why it earns its spot
- +5% on chosen categories is elite earning for a free card
- +Available through community banks that have nothing else competitive
- +Softer underwriting than the big-bank equivalent
Where it costs you
- −$2,000 quarterly cap on the 5% categories
- −$150 bonus trails the $200 the Cash+ usually offers
- −Category elections must be renewed quarterly or you earn 1%
The Compound Verdict
Elan is the issuer behind the curtain at over a thousand community banks, and Max Cash Preferred is its best work, a faithful clone of the U.S. Bank Cash+. Same 5% categories, slightly smaller bonus, friendlier approvals. If your credit union offers it, this is almost certainly the best card in their brochure.
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