1The 0% introductory APR applies to purchases and balance transfers and is valid for the first 6 billing cycles. The introductory APR does not apply to cash advances. Thereafter, the APR may vary and as of 03-22-18, the undiscounted variable APR for Purchases and Balance Transfer is P+8.74% – P+19.74% (based on your creditworthiness).
2Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account.
3The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
4Late payments and going over the credit limit may damage your credit history.
The creditor and issuer of these Banc of California credit cards is Elan Financial Services, pursuant to separate licenses from Mastercard International Incorporated and American Express. 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.