| Rewards | ”[Bonus] Earn 1 point per $1 on eligible purchases, plus a 25% monthly bonus on points earned (effectively 1.25 points per $1), [Bonus Plus] Earn 1 point per $1 on eligible purchases, plus a 50% monthly bonus on points earned (effectively 1.5 points per $1) |
|---|---|
| Signup Bonus | [Bonus] Typically 2,500 bonus points (worth about $25) after making the first purchase, [Bonus Plus] Typically 5,000 bonus points (worth about $50) after making the first purchase |
| Annual Fee | $0 [Bonus] $99 [Bonus Plus] |
| Cardmember Agreement | View Here |
| Cash Advance APR | Variable 30.49% |
| Cash Advance Fee | 5% of the amount of each cash advance, with a $10 minimum |
| Late Payment Fee | Up to $40 |
| Purchases APR | Variable 17.49% – 28.49% based on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Five Star Bank Visa Bonus Rewards and Rewards PLUS cards are best known for their straightforward points program rather than flashy perks. The standard version keeps things simple with no annual fee, while the PLUS card charges an annual fee in exchange for a higher rewards rate and a slightly better signup bonus.
Most users say they appreciate the ease of earning and redeeming points, especially if they already bank with Five Star Bank. Many reviewers mentioned that the rewards structure is easy to understand, and cardholders generally report a smooth experience with Elan’s customer service and online account management.
On the downside, many users feel the rewards aren’t competitive compared with larger issuers. The signup bonuses are modest, and the PLUS card’s annual fee can be hard to justify unless you spend enough to benefit from the boosted earning rate. Others point out that the cards lack standout travel perks or premium benefits.
Personally, I think these cards make the most sense for loyal Five Star Bank customers who value simplicity over maximizing rewards. They’re solid, low-maintenance options, but if you’re chasing bigger bonuses or richer benefits, you’ll likely find stronger alternatives elsewhere.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
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Decent Rewards
I like that I earn rewards on everyday purchases, it helps with groceries and fuel. But the reward rate is just average compared with other card's I've used. It's reliable for routine spending, but not exciting.
