Visa® Business Zero+ Card — Elan Financial Services is a business credit card from Elan Financial Services. Application typically pulls a credit report from TransUnion. The annual fee is No annual fee (terms print "Annual Membership Fee: None"). The ongoing APR is 16.49% to 25.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (APR for purchases; terms accurate as of 10/2026) after a 0% introductory APR for the first 18 billing cycles introductory rate.