Sky Card
2% back on everything, no annual fee and no foreign transaction fees. Plus a free debit card you control from your phone.
Two cards, one app
Earn on every purchase with Sky Card, or keep it simple with a debit card that costs nothing. Most members carry both.
Credit
For everyday spending that quietly earns.
2%back on everything
Debit
Free with every checking account.
$0monthly or card fees
Rates and rewards are illustrative. Elvaris does not issue real cards.
Rewards
Set the sliders to a normal month. Sky Card pays 2% on all of it, with no categories, caps or points to keep track of.
$1,580 / mo
Cash back with Sky Card
a year, or $31.60 every month
That's +$189.60 more a year than a typical 1% card.
Estimated cash back: $379.20 a year, $189.60 more than a typical 1% card.
Illustrative estimate. Balances on Elvaris are play money.
Card controls
Freeze a misplaced card in a tap, switch off the ways you never pay and set a monthly limit that fits. Every change applies the moment you make it. Try it here.
Freeze card
Pause all new purchases instantly.
Online purchases
Shopping on websites and in apps.
International use
Purchases made outside the US.
ATM withdrawals
Cash from any of 55,000+ fee-free ATMs.
A live preview. Nothing here touches a real card.
Virtual cards
Make cards in the app for subscriptions, free trials or a single shop. Each one has its own number and its own controls.
Create a card in the app and shop online in seconds, before your physical card has even shipped.
Start a free trial with a card that closes itself after the first charge. No surprise renewals.
Lock a card to a single merchant, so a leaked number is useless anywhere else.
We look at your income and how you use your Elvaris accounts to set a starting limit. After six months of on-time payments, you can ask for an increase in the app and get an answer in minutes.
Cash back builds up as you spend and lands in your checking account on the first of every month. There are no points to convert, no categories to activate and no minimum to redeem.
New purchases, online checkouts and ATM withdrawals are declined right away. Refunds and deposits still come through. Unfreeze it from the app whenever you like and it works again instantly.
Yes. Sky Card and your debit card work wherever cards are accepted, and Elvaris never adds a foreign transaction fee. If you'd rather keep things locked down at home, switch international use off in a tap.
Create a virtual card in the app and use it online right away. Each one has its own number, limit and controls, so you can freeze or delete it without touching your other cards.
No. Sky Card, its rewards and its rates are illustrative. There is no application, no credit check and no real card behind anything on this page.
Open an Elvaris account in minutes and add Sky Card whenever you're ready. No annual fee and no foreign transaction fees.