Valley Unlimited Cash Card

Elan Financial Services

Key facts

  • Annual fee$0
  • RewardsCash back
  • Everything else earns1.5% back
  • Minimum credit scoreNot stated

The issuer states no minimum credit score for this card.

Earn rates

One flat rate: 1.5% back on purchases. The catalog records no bonus categories for this card.

Rates with conditions

  • 3% back on Everything else — 3% cash back (1.5% base plus 1.5% bonus) on eligible net purchases for the first 12 billing cycles after account opening, up to $20,000; purchases over $20,000 or after the 12th billing cycle earn 1.5%
  • 5% back on Everything else — 5% cash back on prepaid car rental and hotel reservations booked through the Travel Center with the card

Signup bonus

The catalog records no public signup bonus for this card.

Terms as of 2026-09-10. Hand-curated approximate terms; verify with the issuer before applying. Annual credits are rough fee offsets, not a calendar of every perk or lounge access. Cardflare is not affiliated with Elan Financial Services; the card name is its owner's trademark.

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