Popular Bank Everyday Rewards+ Card
VisaIssued by Elan Financial Services
Earn 4X on dining (up to $2,000/quarter), 2X on groceries, gas, and streaming, and 1X on everything else.
ANNUAL FEE
$0
No annual fee for this card.
PURCHASE APR
17.74% – 27.99%
0% intro APR for 6 months. Rate based on Creditworthiness and Prime Rate.
SIGN-UP BONUS
25
Earn 2,500 bonus points after your first purchase, redeemable for $25 cash back, gift cards, or travel.
TOP POINTS
4X Points
Earn 4X points (1 base Point and 3 bonus Points) for every dollar spent on dining, takeout, and restaurant delivery for your first $2,000 in combined purchases each quarter.
Key Benefits
- Earn 4X points on dining, takeout, and restaurant delivery on your first $2,000 each quarter
- Earn 2X points at grocery stores, grocery delivery, gas stations, EV charging stations, and eligible streaming services
- Earn 1X points on all other eligible purchases
- 2,500 bonus points (worth $25) after first purchase
- No annual fee
- 0% introductory APR for 6 billing cycles on purchases and balance transfers
Important Limitations
- Frequent international travel due to the 3% foreign transaction fee
- High-volume dining spend that significantly exceeds $2,000 per quarter
Rewards Structure
Dining & Food Delivery
4X PointsAnnual limits
Unlimited (no annual cap)
(then drops to 0.01)
Details
Earn 4X points (1 base Point and 3 bonus Points) for every dollar spent on dining, takeout, and restaurant delivery for your first $2,000 in combined purchases each quarter.
Everyday grocery
2X PointsAnnual limits
Unlimited (no annual cap)
Details
Earn 2X points for every dollar spent at grocery stores, grocery delivery services
Everyday gas
2X PointsAnnual limits
Unlimited (no annual cap)
Details
Earn 2X points for every dollar spent at gas stations, EV charging stations.
Everyday streaming
2X PointsAnnual limits
Unlimited (no annual cap)
Details
Earn 2X points for every dollar spent at eligible streaming services.
All
1X PointAnnual limits
Unlimited (no annual cap)
Details
Earn 1X point per dollar spent on all other eligible net purchases.
| Purchase Category | Rate | Annual Limits | Details |
|---|---|---|---|
| Dining & Food Delivery | 4X Points | Unlimited (no annual cap) (then drops to 0.01) | Earn 4X points (1 base Point and 3 bonus Points) for every dollar spent on dining, takeout, and restaurant delivery for your first $2,000 in combined purchases each quarter. |
| Everyday grocery | 2X Points | Unlimited (no annual cap) | Earn 2X points for every dollar spent at grocery stores, grocery delivery services |
| Everyday gas | 2X Points | Unlimited (no annual cap) | Earn 2X points for every dollar spent at gas stations, EV charging stations. |
| Everyday streaming | 2X Points | Unlimited (no annual cap) | Earn 2X points for every dollar spent at eligible streaming services. |
| All | 1X Point | Unlimited (no annual cap) | Earn 1X point per dollar spent on all other eligible net purchases. |
Fees & APR
ANNUAL FEE
$0
INTRO APR (6 MONTHS)
0%
REGULAR PURCHASE APR
17.74% – 27.99%
CASH ADVANCE APR
29.99% – 29.99%
FOREIGN TRANSACTION FEE
3%
LATE PAYMENT FEE
$41
BALANCE TRANSFER FEE
$5 OR 3%
CASH ADVANCE FEE
$10 OR 5%
Card Protection & Benefits
Zero Fraud Liability
- ✓You are protected against unauthorized transactions on your account if your card is lost or stolen.
- ✓Cardmember must notify Elan Financial Services promptly of unauthorized use
Security Features
- ✓Zero Fraud Liability – Protection against unauthorized transactions on your account.
Best Use Cases
IDEAL FOR
- Frequent diners and food delivery users
- Maximizing rewards on grocery and gas station purchases
- Cardholders who want a no-annual-fee card for everyday basics
NOT RECOMMENDED FOR
- Frequent international travel due to the 3% foreign transaction fee
- High-volume dining spend that significantly exceeds $2,000 per quarter
Maximize Your Rewards Strategy
Months 1–3: Hit the Bonus
- Spend $0.01 to unlock $25.00 bonus
- Effective 250000% return on first $0.01
- Time large purchases strategically
- Track progress toward spending goal
- Don't overspend just for the bonus
Months 1–6: Use 0% APR
- Finance large purchases interest-free
- Spread purchases over months
- Create payment plan before month 7
- Avoid 17.74% – 27.99% APR kicking in
- Calculate monthly payments needed
Earn More Points
- 4X Points on Dining & Food Delivery
- 2X Points on Everyday grocery
- 2X Points on Everyday gas
- 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 points at minimum thresholds
- Set up autopay to avoid late fees
- Review new offers each year
Customer Support:
1-800-558-3424
Last updated: Feb 25, 2026
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