Visa® Zero+ Card — Elan Financial Services is a personal credit card from Elan Financial Services. Application typically pulls a hard report from TransUnion. The annual fee is Annual Membership Fee: None. The ongoing APR is 17.49% to 28.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. after a Purchases: Zero+: 0% introductory APR for the first 21 billing cycles. Balance Transfers: Zero+: 0% introductory APR for the first 21 billing cycles for balances transferred within 651 days from account opening. introductory rate. Rewards: 4% cash back On prepaid travel booked directly in the Travel Center when you use your card; $15 annual statement credit After making purchases for 11 consecutive months.