Quick Offer Summary
Wintrust Community Banks, through Elan Financial Services, is offering a $250 signup bonus on their Everyday Rewards+ Card. This no-annual-fee card is a sleeper hit for foodies, offering a high earn rate on dining and delivery.
Bonus and Spend Requirement
- Bonus: $250 Cash Back
- Spend Requirement: $1,000 within the first 90 days of account opening.
- Offer Expiry: June 30, 2026
Annual Fee
- Annual Fee: $0
Key Credits & Benefits
- 4x Points on Dining: Earn 4x points on dining, take-out, and restaurant delivery (on the first $2,000 spent each quarter).
- 2x Points on Essentials: Earn 2x points at grocery stores, gas stations, EV charging stations, and on eligible streaming services.
- 0% Intro APR: 0% introductory APR on purchases for the first 12 billing cycles.
- Flexible Redemption: Redeem points for cash back, travel, gift cards, or merchandise.
Estimated First-Year Value
| Benefit | Value |
|---|---|
| Signup Bonus | $250 |
| Estimated Rewards (Dining/Groceries) | $150 |
| Annual Fee | -$0 |
| Net First-Year Value | $400 |
Assumes $1,000 baseline spend to hit bonus plus moderate ongoing usage in 4x/2x categories.
PointsGobbler Verdict
The Wintrust Everyday Rewards+ Card is an excellent choice for those looking for a simple, no-fuss cash back card with a strong focus on dining. A $250 bonus on a $1,000 spend is a fantastic 25% return on spend, and the 4 points per dollar on restaurants puts it on par with much more expensive premium cards. If you live within the Wintrust footprint or are looking for a solid Elan-backed card, jump on this before the June 30th deadline.