Ameriprise Financial Credit Card Program

Ameriprise Financial credit cards can help you save more toward your financial goals by delivering strong cash back value redeemable into your Ameriprise accounts. Talk with your advisor and check out the new Ameriprise Credit Card Cash Back Calculator to see how an Ameriprise credit card can help increase your savings.

Please remove any credit bureau freezes before applying. Offer expires 11/30/20.

Earn cash back rewards

  • $375 Bonus!
    Earn Rewards Points worth $375 cash back value when deposited into an eligible Ameriprise account after spending $3,000 in eligible net purchases within the first 90 days of account opening1
  • 1.5 Rewards Points for every $1 you spend in eligible purchases2

Get enhanced cash back

Enjoy more cardmember benefits

  • Up to $100 statement credit on travel purchases after you spend $24,000 in eligible net purchases each year4
  • No foreign transaction fees 
  • Opportunities to redeem Rewards Points for travel, merchandise, gift cards and more
  • Contactless payments
  • No preset spending limit5
  • Zero fraud liability6 and other valuable Visa perks7
  • Insights from your advisor on simplifying cash flow and maximizing cash back to support your financial goals

Annual Fee

$150 (waived for Achiever Circle Elite members8)

Take the next step

or Apply by phone: 1.800.736.7523 and mention offer code 37724
Please remove any credit bureau freezes before applying. Offer expires 11/30/20.

Click here for Terms and Conditions

Learn more

Please remove any credit bureau freezes before applying. Offer expires 11/30/20.

Earn cash back rewards

  • $250 Bonus!
    Earn Rewards Points worth $250 cash back value when deposited into an eligible Ameriprise account after spending $2,000 in eligible net purchases within the first 90 days of account opening9
  • 1 Rewards Point for every $1 you spend in eligible purchases10

Get enhanced cash back

Enjoy more cardmember benefits

  • 0% introductory APR12 on purchases and balance transfers for 9 billing cycles.  After that, a variable APR currently 13.99% - 23.99%.
  • Opportunities to redeem Rewards Points for travel, merchandise, gift cards and more
  • Contactless payments
  • No preset spending limit5
  • Zero fraud liability6 and other valuable Visa perks7
  • Insights from your advisor on simplifying cash flow and maximizing cash back to support your financial goals

Annual Fee

$0 

Take the next step

or Apply by phone: 1.800.736.7523 and mention offer code 37725
Please remove any credit bureau freezes before applying. Offer expires 11/30/20.

Click here for Terms and Conditions

Learn more

For more information on Ameriprise Rewards Program and important disclosures, view the Ameriprise Rewards Terms and Conditions.

Investment products provided through Ameriprise Financial are not federally or FDIC insured, are not deposits or obligations of, or guaranteed by, any financial institution, and involve investment risks, including possible loss of principal and fluctuation in value.

1-12 Read the following important disclosures for Ameriprise Visa Signature credit cards
We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement for additional information.
1 A one-time bonus of $375 will be awarded to you as 30,000 points, which are equivalent to $375 cash back when deposited into an eligible Ameriprise account upon reaching the redemption threshold. Redemptions occur in 30,000 Rewards Points increments for cash back into an eligible Ameriprise Financial account and 10,000 Rewards Points increments for financial planning certificates. The redemption value is different if you choose to redeem your Rewards Points for rewards other than cash back. You must apply by 11/30/20 and you must spend at least $3,000 in eligible net purchases within the first 90 days of account opening to receive this bonus. 30,0000 Rewards Points will be credited to your account 6-8 weeks after the 90-day period. Purchase requirement is met by purchases only; advances, convenience checks, balance transfers, interest charges, fees, credit insurance charges, or transactions to fund certain prepaid card products are not eligible. Your account must be open and in good standing at the time of fulfillment to receive the bonus Rewards Points. Existing and previous Ameriprise Visa credit card program cardmembers are not eligible for this offer.
2 You will earn 1.5 Rewards Points per $1 in eligible net purchases (net purchases are purchases minus credits and returns). Certain transactions are not eligible for Rewards Points, including Advances (as defined in the Cardmember Agreement, including wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. You may not redeem Rewards Points, and you will immediately lose all of your Rewards Points, if your account is closed to future transactions (including, but not limited to, due to program misuse, failure to pay, bankruptcy, or death). Rewards Points that are earned through the use of the account but not redeemed will expire and be forfeited five (5) years from the date the earned Rewards Points post to your Rewards account. Rewards Points will be redeemed and expired on a first-in, first-out basis. Refer to your Rewards Program Terms and Conditions located at ameriprise.com/rewards for additional information.
3 The 1.875% cash back rewards value applies only to Rewards Points redeemed for a deposit into an eligible Ameriprise account or for an Ameriprise financial planning certificate. You earn 1.5 Rewards Points for each $1 spent in eligible net purchases. If you choose to redeem for cash back into an eligible Ameriprise account, you will receive 1.25% cash back per Rewards Point when doing so. $1 spend = 1.5 Rewards Points earned. 1.5 Rewards Points * 1.25% = 1.875% cash back per $1 of spend. Example: If you spend $20,000 on eligible net purchases, you’ll earn 30,000 Rewards Points; and if you choose to redeem these Rewards Points earned for cash back into an eligible Ameriprise account, you will receive $375. Rewards Points redemption minimums as well as other restrictions may apply. Please refer to the Rewards Program Terms and Conditions for more details located at ameriprise.com/rewards. The redemption value is different if you choose to redeem your Rewards Points for rewards other than cash back such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Rewards Program Terms and Conditions located at ameriprise.com/rewards. Eligible Ameriprise accounts include Ameriprise® Active Portfolios® investments, Ameriprise® Strategic Portfolio Services (SPS) Advantage account, Ameriprise ONE® Financial Account, Ameriprise® Brokerage account and Ameriprise® Cash Reserve Certificate account.

4 Upon spending a minimum of $24,000 in net purchases within your cardmember year, your account will be eligible to earn a statement credit(s) totaling up to $100 when an Ameriprise Premier Visa Signature card is used for purchases made directly from airlines, hotels, or car rental companies within your cardmember year. Net purchases are purchases minus credits and returns. Credit(s) apply to eligible net purchases that post to your account on a cardmember-year basis (based on account opening date). If the eligible purchase is greater than $100, credit will be limited to $100. Net purchases during each billing cycle will be calculated for transactions that a merchant classifies as an airline, hotel or car rental company and a corresponding statement credit will be applied to your account the next time it cycles. If the eligible purchase is less than $100, the applicable credit will be made and the remaining credit will then be available for use within the cardmember year until it has been exhausted by future travel purchases. Credit does not apply for transactions posting as Convenience Checks, Balance Transfers, or Advances (including, but not limited to, wire transfers, traveler’s checks, money orders, foreign cash transactions and ATM disbursements). Elan Financial cannot control how merchants choose to classify their business or transactions and reserves the right to determine which purchases will qualify. We reserve the right to adjust or reverse any portion or all of any travel credit for unauthorized purchases or transaction credits.
5 No preset spending limit does not mean unlimited spending. Individual transactions are authorized by card issuer based on factors such as account history, credit record and payment resources. Card issuer will preset an upper limit for revolving balances and cash advances.
6 Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Cardmember Service promptly of any unauthorized use. Certain conditions and limitations may apply.
7 Certain terms, restrictions and conditions apply. Refer for your Visa Guide to Benefits for details.
8 $150 Annual Fee Waiver is for Achiever Circle Elite Members only. Your annual fee is waived if you are an Achiever Circle Elite Member at the time of your cardmember anniversary date. This Annual Fee Waiver is strictly dependent upon your Achiever Circle Elite status on your cardmember anniversary date in the current year and not based on status within the year or status from subsequent years. Please refer to ameriprise.com or your financial advisor for more information about your Achiever Circle Elite status and how this may change.
9 A one-time bonus of $250 will be awarded to you as 20,000 points, which are equivalent to $250 cash back when deposited into an eligible Ameriprise account upon reaching the redemption threshold. Redemptions occur in 30,000 Rewards Points increments for cash back into an eligible Ameriprise Financial account and 10,000 Rewards Points increments for financial planning certificates. The redemption value is different if you choose to redeem your Rewards Points for rewards other than cash back. You must apply by 11/30/20 and you must spend at least $2,000 in eligible net purchases within the first 90 days of account opening to receive this bonus. 20,000 Rewards Points will be credited to your account 6-8 weeks after the 90-day period. Purchase requirement is met by purchases only; advances, convenience checks, balance transfers, interest charges, fees, credit insurance charges, or transactions to fund certain
prepaid card products are not eligible. Your account must be open and in good standing at the time of fulfillment to receive the bonus Rewards Points. Existing and previous Ameriprise Visa credit card program cardmembers are not eligible for this offer.
10 You will earn 1 Rewards Point per $1 in eligible net purchases (net purchases are purchases minus credits and returns). Certain transactions are not eligible for Rewards Points, including Advances (as defined in the Cardmember Agreement, including wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. You may not redeem Rewards Points, and you will immediately lose all of your Rewards Points, if your account is closed to future transactions (including, but not limited to, due to program misuse, failure to pay, bankruptcy, or death). Rewards Points that are earned through the use of the account but not redeemed will expire and be forfeited five (5) years from the date the earned Rewards Points post to your Rewards account. Rewards Points will be redeemed and expired on a first-in, first-out basis. Refer to your Rewards Program Terms and Conditions located at ameriprise.com/rewards for additional information.
11 The 1.25% cash back rewards value applies only to Rewards Points redeemed for a deposit into an eligible Ameriprise account or for an Ameriprise financial planning certificate. You earn 1 Rewards Point for each $1 spent in eligible net purchases. If you choose to redeem for cash back into an eligible Ameriprise account, you will receive 1.25% cash back per Rewards Point when doing so. $1 spend = 1 Rewards Point earned. 1 Rewards Point * 1.25% = 1.25% cash back per $1 spend. Example: If you spend $30,000 on eligible net purchases, you’ll earn 30,000 Rewards Points; and if you choose to redeem these Rewards Points earned for cash back into an eligible Ameriprise account, you will receive $375. Rewards Points redemption minimums as well as other restrictions may apply. Please refer to the Rewards Program Terms and Conditions for more details located at ameriprise.com/rewards. The redemption value is different if you choose to redeem your Rewards Points for rewards other than cash back such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Rewards Program Terms and Conditions located at ameriprise.com/rewards. Eligible Ameriprise accounts include Ameriprise® Active Portfolios® investments, Ameriprise® Strategic Portfolio Services (SPS) Advantage account, Ameriprise ONE® Financial Account, Ameriprise® Brokerage account and Ameriprise® Cash Reserve Certificate account.
12 Your 0% Introductory Annual Percentage Rate (APR) applies to balance transfers made within 30 days of account opening. The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.
Elan Financial Services is the creditor and issuer of Ameriprise® Visa Signature® credit cards, pursuant to a license from Visa U.S.A. Inc., and does not administer the account Rewards Program.
You may not use your Ameriprise Visa Signature card account (including, but not limited to, the use of convenience checks and cash advances drawn on your credit card account) to purchase investments or securities.
Investment products made available through AFS are not FDIC insured, are not deposits or other obligations of Ameriprise Bank, FSB, or any other financial institution, and are not guaranteed by Ameriprise Bank, FSB, and are subject to investment risks, including possible loss of principal invested.
Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.
Ameriprise Financial Services, LLC. Member FINRA and SIPC.
Ameriprise Bank, FSB provides deposit, lending, and personal trust products and services to its customers, including clients of Ameriprise Financial Services, LLC. (“AFS”). Ameriprise Bank, FSB and AFS are subsidiaries of Ameriprise Financial, Inc. AFS financial advisors may receive compensation for selling bank products.
Ameriprise Bank, FSB. Member FDIC.
Ameriprise® and Ameriprise Financial logo are registered service marks of Ameriprise Financial, Inc.
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