What exactly is Elan Financial? I've seen Elan Financial VGCs from rebates/incentives, and they also seem to do white-label credit cards for financial institutions that don't want to issue their own cards (I received such a solicitation from a local bank today). Are they worth looking into like the big issuers Amex/Barclays/Chase/Citi, etc. or are they like a Synchrony Bank of sorts?