Comerica Credit Cards

¹Elan Financial Services is the creditor and issuer of these credit cards offered by Comerica, pursuant to separate licenses from Visa U.S.A. Inc. Comerica Bank and its affiliates are not affiliated with Elan Financial Services. Certain conditions and exclusions apply. Details of coverages are provided in the Terms and Conditions. Visa is a registered trademark of Visa International Service Association and others in the United States and other countries.  The 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 rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

²EMV is a registered trademark or trademark of EMVCo LLC in the United States and other countries. http://www.emvco.com. EMV, which stands for Europay, MasterCard and Visa, is a globally adopted standard for chip payment technology and represents an important enhancement to card-present transaction security. Rather than swiping the magnetic stripe to make a purchase, a microchip imbedded in the card plastic makes contact with an EMV chip compatible point-of-sale (POS) merchant terminal. The chip creates unique data elements with every transaction, which allows for a more secure form of authentication and helps to prevent counterfeit card fraud. All Comerica EMV chip cards have a magnetic stripe so that they can be used at merchant locations that have not yet upgraded to POS terminals that process EMV chip cards. When using the EMV chip card, card members will continue to simply sign for purchases as they are accustomed to doing today.

³Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC. Samsung, Samsung Pay, Galaxy s (and other device names) and Samsung Knox are trademarks or registered trademarks of Samsung electronics co., Ltd. 

⁴ Certain terms, conditions and exclusions apply. Please refer to your guide to benefits that will be mailed with your new card for further details and to determine if the Auto Rental Coverage is right for you.

⁵ If a Comerica credit card is used for overdraft protection, an Overdraft Protection Transfer Fee will be charged by Elan Financial Services for each Overdraft Protection Advance. Comerica Bank Automatic Overdraft Protection fees may also apply. Please refer to Comerica Bank's Personal Services and Charges brochure for details. The Comerica Secured Credit Card cannot be used for overdraft protection. 

⁶Max Cash Preferred Card: 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. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. 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. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles 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.

⁷If you’re approved for a new Max Cash Preferred Card, a one-time $150 bonus will be awarded for redemption after eligible net purchases totaling $500or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

⁸Everyday Rewards+ Card: You will earn 1 Point for every dollar in eligible net purchases charged to your Account during each billing cycle. In addition, you will earn additional Points for the following: You will earn 3 additional Points for every dollar in eligible net purchases during each billing cycle at merchants classified as a restaurant, fast-food restaurant or bar. You will earn 1 additional Point for every dollar in eligible net purchases during each billing cycle at merchants classified as gas station, grocery store, supermarket or qualifying streaming subscription service. Refer to program rules for official list of qualifying streaming services merchants. Purchases at or delivery from discount/retail stores that sell groceries may not qualify for the grocery store or grocery delivery category. Purchases qualify for Points based on how merchants choose to classify their business and we reserve the right to determine which purchases qualify. 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, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Points expire five years from the end of the quarter in which they are earned.

⁹If you’re approved for a new Everyday Rewards+ Card, a one-time 15,000 bonus points ($150 value) will be awarded after eligible net purchases totaling$500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

¹⁰Max Cash Secured Card: 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. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. 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. Rewards are earned on eligible net purchases. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles 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.

¹¹Late payments and going over the credit limit may damage your credit history. Your credit limit will be equal to the amount of your security deposit.

¹²College Real Rewards Card: You will earn 1.5 Reward Points ("Points") for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned. Reward points can be redeemed as a cash deposit to a checking or saving account with this Financial Institution only, within seven business days, or as a statement credit to your credit card account within one to two billing cycles. First purchase bonus points will be applied 6 to 8 weeks after first purchases and are not awarded for balance transfers or cash advances. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.

¹³To be eligible to take advantage of these exclusive benefits and discounts, you must be a current Comerica Bank customer. Comerica Bank reserves the right to modify or end these exclusive benefits and discounts at any time.

*The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.
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