Elan Max Cash Preferred Visa
By Alex Compton · Last verified
The U.S. Bank Cash+ formula in white-label form, sold through hundreds of community banks and credit unions.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | $150 | $500 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2022-06 | $150 | $500 in 3 mo | Earliest recordStandard offer since rollout | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-11 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 5xTwo categories you chooseOn up to $2,000 in combined spend per quarter, then 1%
- 2xOne everyday category you chooseUnlimited
- 1xAll other purchases
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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