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Card Benefits

Visa Signature^® Max Cash Preferred Card

Rewards
Service Benefits
Card Benefits

Rewards

Earn Rewards¹

Earn 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose.
Earn 2% unlimited cash back on one everyday category, like Gas and Electric Vehicle Charging Stations & Ground Transportation, Restaurants & Food Delivery, and Grocery Stores & Grocery Delivery.
Earn 1% unlimited cash back on all other eligible purchases.
Plus, earn 5% on prepaid hotels and car rentals booked directly in the Rewards Center.*

5% Cash Back Categories:

TV, Internet & Streaming Services
Fast Food
Cell Phone Providers
Department Stores
Home Utilities
Furniture Stores
Electronic Stores
Recreation
Entertainment

2% Cash Back Categories:

Grocery Stores + Grocery Delivery
Restaurants + Fast Food
EV Charging and Gas Stations + Ground Transportation

See the full list of categories (PDF) here.

Activating and Modifying Rewards Categories²

Log in to Account Access.
Select your Account, and within the top navigation select "Rewards & Benefits".
Click "Redeem rewards at Rewards Center" to choose your 5% and 2% Max Cash categories and, if desired, change your categories by the designated enrollment period.

Redeem Rewards³

To redeem rewards:

Log in to Account Access - Log into your account to redeem your rewards.
Select your Account, and within the top navigation select "Rewards & Benefits".
Click "Redeem rewards at Rewards Center" to reach the rewards center and start redeeming.

Or call the number on the back of your card to reach Cardmember Service.

Redemption starts at $25 cash back¹

Service Benefits

24/7 U.S.-Based Customer Service

Our dedicated specialists are available 24/7 to assist you with any account questions.

Call the number on the back of your card.

Lost/Stolen Card Reporting

Our dedicated specialists are available 24/7 to assist you with a lost or stolen card. Call Cardmember Service immediately - available 24 hours a day.

Consumer cards: 1-800-558-3424
Business cards: 1-866-552-8855
International (Collect): 701-461-1556

Fraud Protection

Our sophisticated fraud-monitoring tools look for abnormal spending patterns. If we see something unusual, we move fast to help keep your card and account information safe. We provide zero fraud liability⁴ for unauthorized transactions. If you notice any charges you did not make, please notify us promptly by calling the number on the back of your card. Certain conditions and limitations may apply. Learn more

Emergency Card Replacement and Cash Disbursement

Our 24/7 worldwide service allows you to quickly and easily get a replacement card sent to you and/or receive emergency cash at a convenient location.

Call the number on the back of your card.

Contactless Payments

Pay with a tap. Use your card for contactless payments wherever you see the Contactless Symbol and your payment is processed in seconds. You enjoy the same chip security whether you tap or insert your card. Cards are embedded with a microchip that adds an additional layer of security. If a terminal is not yet contactless-enabled you can insert or swipe your card as usual. Learn more

Card Benefits

View Visa Signature Guide to Benefits (PDF)
Certain terms, conditions and exclusions apply. Please refer to the Guide to Benefits for further details and full terms and conditions.

Travel

Visa Luxury Hotel Collection
The Visa Signature Luxury Hotel Collection gives you access to a premium collection of benefits from over 900 of the world's finest hotels, including brands like The Peninsula Hotels, Park Hyatt and Shangri-La. Enjoy an unparalleled experience with special amenities, discounts, room upgrades upon arrival and 3 p.m. checkout (when available)-plus, a $25 food or beverage credit and more.⁵
Visit visasignaturehotels.com for all current travel offers.
Travel and Emergency Assistance Service
When you're traveling or working anywhere in the world, your Visa Business card gets you access to a multilingual call center - 24 hours a day, 365 days a year - for the assistance you need. You, your immediate family members and business associates who are traveling with you can call toll-free in the United States, or collect when traveling abroad. Services include: medical and legal referrals, emergency transportation and more.⁶
Call the Benefit Administrator at 1-800-992-6029 to get your questions answered. If you are outside the U.S., you can call collect at 1-804-673-1675. Travel and Emergency Assistance Services is provided on a best-effort basis and may not be available due to problems of time, distance or location.
Roadside Dispatch^®
Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-847-2869. Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees. Certain terms, conditions, and exclusions may apply.⁷

Discounts and Special Access

Concierge Service
Your Visa Signature card comes with complimentary, 24/7 access to the Visa Signature� Concierge service. Simply call 1-800-953-7392 anytime for assistance booking travel, event tickets and more- even dinner reservations or golf tee times.⁸
Visa Offers + Perks
Enjoy discounts at the places you love to shop. Indulge your passion and gain access to a wide variety of offers and deals, including food and wine, shopping, sports, entertainment and more.
Find your favorites at visa.com/offers.
ID Navigator Powered by NortonLifeLock^TM
Tools to help you act quickly if your personal data is threatened
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen.⁹

To confirm eligibility, visit cardbenefitidprotect.com.
Signature Event Access, Offers, and Discounts
Enjoy access to special packages, discounts, offers, upgrades, and events in these categories: travel, entertainment, fine wine and food, sports and shopping.⁶
Learn more at visa.com/signature.

The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

American Express is a federally registered service mark of American Express and is used by Elan Financial Services pursuant to license.

Privacy
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*Cardmembers of Fulton Bank and its affiliates are not eligible.

¹ Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.
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² You must register online through the Rewards Center to be eligible to earn 2% Rebates and 5% Rebates. Unregistered Cardmembers will be able to register to designate the Purchase Categories applicable for a calendar quarter's 2% Rebates and 5% Rebates up to five days before the start of the next quarter. During the four-day period before the end of a current calendar quarter, unregistered Cardmembers will be able to register in the upcoming calendar quarter’s Purchase Categories. Registered Cardmembers will be able to make changes to their designated Purchase Categories for the upcoming calendar quarter beginning 45 days until 5 days prior to the start of the upcoming calendar quarter. Registered Cardmembers may not make changes to their designated Purchase Categories during the four-day period before the end of the current calendar quarter. Allow up to 3 business days for registration to take effect before you will be eligible to earn 2% Rebates and 5% Rebates. You will begin earning 2% Rebates and 5% Rebates as of the start of the calendar quarter, or the date your registration is effective, whichever is later. Merchants that accept credit cards are assigned a merchant code based on the kinds of products and services they sell. To offer 2% and 5% Rebates based on purchase type (e.g., 5% cash back for Department Stores purchases), Elan Financial Services groups similar merchant category codes into Purchase Categories. Purchases that fall into the eligible Purchase Category will receive the stated Rebate. Elan Financial Services makes every effort to include all relevant merchant category codes in its listed Purchase Categories. However, even though a merchant or the items that it sells may appear to fit within a Purchase Category, the merchant may not use the merchant code that will fall within that Purchase Category. Therefore, Elan Financial Services cannot guarantee that a purchase will qualify for 2% or 5% Rebates as any purchase where a merchant uses a category code outside of the eligible Purchase Category will not qualify for the stated Rebate.
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³ The Elan Rewards Program is subject to change. Cash rebates do not expire as long as the account remains active. The account must be open and in good standing to earn and redeem rewards.
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⁴ Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.
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⁵ Certain terms, conditions and exclusions apply. Please refer to visasignaturehotels.com for further details and full terms and conditions. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substitute benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Signature Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property.
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⁶ Certain terms, conditions and exclusions apply. Please refer to the Guide to Benefits (link to https://mycardgtb.com/premrewardsae) for further details and full terms and conditions.
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⁷ Certain terms, conditions and exclusions apply. Please refer to visa.com for further details and full terms and conditions or visa.com/signature for further details and full terms and conditions for your Visa Signature® card.
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⁸ Cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders' behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.
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⁹ No one can prevent all cybercrime or all identity theft.
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California Privacy Center

We use technologies, such as cookies, that gather information on our website. That information is used for a variety of purposes, such as to understand how visitors interact with our websites, or to serve advertisements on our websites or on other websites. The use of technologies, such as cookies, constitutes a 'share' or 'sale' of personal information under the California Privacy Rights Act. You can stop the use of certain third party tracking technologies that are not considered our service providers by clicking on "Opt-out" below or by broadcasting the global privacy control signal.

Note that due to technological limitations, if you visit our website from a different computer or device, or clear cookies on your browser that store your preferences, you will need to return to this screen to opt-out and/or rebroadcast the signal. You can find a description of the types of tracking technologies, and your options with respect to those technologies, by clicking "Learn more" below.

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Visa Signature® Max Cash Preferred Card

Visa Signature^® Max Cash Preferred Card