KU Max Cash Preferred Card
VisaIssued by Elan Financial Services
5% cash back on two choice categories (first $2,000/quarter), 2% unlimited on one everyday category, 1% on all other eligible purchases; $150 bonus after $500 spend in first 90 days
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
17.74% – 27.99%
Rate based on creditworthiness when you open your account and based on the prime rate.
SIGN-UP BONUS
150
Earn a one-time $150 bonus awarded for redemption after eligible Net Purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 1-2 statement billing cycles for your bonus to appear on your credit card statement.
TOP CASH BACK
5% cash back
Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. TV, internet & streaming services is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice.
Key Benefits
- No annual fee
- 5% cash back on two categories of your choice — first $2,000 in combined purchases each quarter, then 1%
- 2% unlimited cash back on one everyday category of your choice
- 1% unlimited cash back on all other eligible purchases
- Cardmember must initially enroll into categories of their choice, or all Net Purchases will earn no more than 1% cash back
- 0% introductory APR for the first 12 billing cycles on balance transfers made within 366 days from account opening; introductory rate does not apply to purchases or cash advances
- Card ExtendPay Plan — split purchases into affordable payments with no interest, just a low fixed monthly fee not to exceed 1.6% of the original principal amount
- Cash rewards do not expire as long as the account remains active; if no reward, purchase, or balance activity for 12 statement cycles, cash rewards balance will expire
Important Limitations
- Grocery store or gas/EV charging purchases at wholesale clubs or discount stores/supercenters such as Target and Walmart — earn only 1%
- Cardholders who forget to enroll in categories — all purchases earn no more than 1% without enrollment
- Spending over $2,000 per quarter in combined 5% categories — earn only 1% after the quarterly cap
- Cash advances — introductory rate does not apply
- Balance transfers from other Elan Financial Services accounts — not permitted
Rewards Structure
5% Choice Category — TV, Internet & Streaming Services
5% cash backAnnual limits
Unlimited (no annual cap)
(then drops to 0.01)
Details
Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. TV, internet & streaming services is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice.
5% Choice Category — Fast Food
5% cash backAnnual limits
Unlimited (no annual cap)
(then drops to 0.01)
Details
Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Fast food is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice.
5% Choice Category — Cell Phone Providers
5% cash backAnnual limits
Unlimited (no annual cap)
(then drops to 0.01)
Details
Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Cell phone providers is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice.
5% Choice Category — Department Stores
5% cash backAnnual limits
Unlimited (no annual cap)
(then drops to 0.01)
Details
Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Department stores is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice.
5% Choice Category — Home Utilities
5% cash backAnnual limits
Unlimited (no annual cap)
(then drops to 0.01)
Details
Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Home utilities is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice.
5% Choice Category — Furniture Stores
5% cash backAnnual limits
Unlimited (no annual cap)
(then drops to 0.01)
Details
Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Furniture stores is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice.
5% Choice Category — Electronics Stores
5% cash backAnnual limits
Unlimited (no annual cap)
(then drops to 0.01)
Details
Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Electronics stores is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice.
5% Choice Category — Recreation
5% cash backAnnual limits
Unlimited (no annual cap)
(then drops to 0.01)
Details
Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Recreation is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice.
5% Choice Category — Entertainment
5% cash backAnnual limits
Unlimited (no annual cap)
(then drops to 0.01)
Details
Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Entertainment is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice.
2% Choice Category — Grocery Stores & Grocery Deliveries
2% cash backAnnual limits
Unlimited (no annual cap)
Details
Earn 2% unlimited cash back (1% base & 1% bonus) on your chosen 2% everyday category. Grocery stores & grocery deliveries is one of the eligible 2% category options. Excludes discount stores/supercenters and wholesale clubs. Purchases at Grocery Store/Supermarket at wholesale clubs, discount stores/supercenters such as Target and Walmart will only earn 1%. Cardmember must initially enroll into categories of their choice.
2% Choice Category — EV Charging, Gas Stations & Ground Transportation
2% cash backAnnual limits
Unlimited (no annual cap)
Details
Earn 2% unlimited cash back (1% base & 1% bonus) on your chosen 2% everyday category. EV charging, gas stations & ground transportation is one of the eligible 2% category options. Excludes discount stores/supercenters and wholesale clubs. Purchases at Gas Station/EV Charging Stations at wholesale clubs, discount stores/supercenters such as Target and Walmart will only earn 1%. Cardmember must initially enroll into categories of their choice.
2% Choice Category — Restaurants & Food Delivery
2% cash backAnnual limits
Unlimited (no annual cap)
Details
Earn 2% unlimited cash back (1% base & 1% bonus) on your chosen 2% everyday category. Restaurants & food delivery is one of the eligible 2% category options. Cardmember must initially enroll into categories of their choice.
All
1% cash backAnnual limits
Unlimited (no annual cap)
Details
Earn 1% cash back on all other eligible Net Purchases not covered by the chosen 5% or 2% categories.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| 5% Choice Category — TV, Internet & Streaming Services | 5% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. TV, internet & streaming services is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice. |
| 5% Choice Category — Fast Food | 5% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Fast food is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice. |
| 5% Choice Category — Cell Phone Providers | 5% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Cell phone providers is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice. |
| 5% Choice Category — Department Stores | 5% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Department stores is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice. |
| 5% Choice Category — Home Utilities | 5% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Home utilities is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice. |
| 5% Choice Category — Furniture Stores | 5% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Furniture stores is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice. |
| 5% Choice Category — Electronics Stores | 5% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Electronics stores is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice. |
| 5% Choice Category — Recreation | 5% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Recreation is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice. |
| 5% Choice Category — Entertainment | 5% cash back | Unlimited (no annual cap) (then drops to 0.01) | Earn 5% cash back (1% base & 4% bonus) on your first $2,000 in combined Net Purchases each calendar quarter in your two chosen 5% categories. Entertainment is one of the eligible 5% category options. After the $2,000 quarterly cap, earn 1%. Cardmember must initially enroll into categories of their choice. |
| 2% Choice Category — Grocery Stores & Grocery Deliveries | 2% cash back | Unlimited (no annual cap) | Earn 2% unlimited cash back (1% base & 1% bonus) on your chosen 2% everyday category. Grocery stores & grocery deliveries is one of the eligible 2% category options. Excludes discount stores/supercenters and wholesale clubs. Purchases at Grocery Store/Supermarket at wholesale clubs, discount stores/supercenters such as Target and Walmart will only earn 1%. Cardmember must initially enroll into categories of their choice. |
| 2% Choice Category — EV Charging, Gas Stations & Ground Transportation | 2% cash back | Unlimited (no annual cap) | Earn 2% unlimited cash back (1% base & 1% bonus) on your chosen 2% everyday category. EV charging, gas stations & ground transportation is one of the eligible 2% category options. Excludes discount stores/supercenters and wholesale clubs. Purchases at Gas Station/EV Charging Stations at wholesale clubs, discount stores/supercenters such as Target and Walmart will only earn 1%. Cardmember must initially enroll into categories of their choice. |
| 2% Choice Category — Restaurants & Food Delivery | 2% cash back | Unlimited (no annual cap) | Earn 2% unlimited cash back (1% base & 1% bonus) on your chosen 2% everyday category. Restaurants & food delivery is one of the eligible 2% category options. Cardmember must initially enroll into categories of their choice. |
| All | 1% cash back | Unlimited (no annual cap) | Earn 1% cash back on all other eligible Net Purchases not covered by the chosen 5% or 2% categories. |
Fees & APR
ANNUAL FEE
$0
REGULAR PURCHASE APR
17.74% – 27.99%
FOREIGN TRANSACTION FEE
0%
BALANCE TRANSFER FEE
$5 OR 5%
Card Protection & Benefits
No Annual Fee
- ✓Enjoy all card benefits with no annual fee.
Card ExtendPay Plan
- ✓Split purchases into affordable payments with no interest — just a low, fixed monthly fee not to exceed 1.6% of the original principal amount in a Card ExtendPay plan. This fixed fee is disclosed upon enrollment and charged each month that you owe the applicable ExtendPay balance.
Best Use Cases
IDEAL FOR
- Cardholders who want to choose their own 5% and 2% cash back categories
- High spenders in TV, internet & streaming, fast food, cell phone providers, department stores, home utilities, furniture stores, electronics stores, recreation, or entertainment
- Everyday spenders on groceries, gas & EV charging, or restaurants & food delivery
- Cardholders seeking a long 0% introductory APR on balance transfers
- Cardholders who want no annual fee with flexible cash back
NOT RECOMMENDED FOR
- Grocery store or gas/EV charging purchases at wholesale clubs or discount stores/supercenters such as Target and Walmart — earn only 1%
- Cardholders who forget to enroll in categories — all purchases earn no more than 1% without enrollment
- Spending over $2,000 per quarter in combined 5% categories — earn only 1% after the quarterly cap
- Cash advances — introductory rate does not apply
- Balance transfers from other Elan Financial Services accounts — not permitted
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $500.00 to unlock $150.00 bonus
- Effective 30% return on first $500.00
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Earn More Cash Back
- 5% cash back on 5% Choice Category — TV, Internet & Streaming Services
- 5% cash back on 5% Choice Category — Fast Food
- 5% cash back on 5% Choice Category — Cell Phone Providers
- Set up autopay to avoid late fees
- Review partner programs for bonus opportunities
Ongoing: Optimize Categories
- Prioritize highest-rate qualifying expenses first
- Monitor any annual spending thresholds
- Redeem cash back at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-558-3424
Last updated: Mar 13, 2026
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