World Elite Mastercard® Travel Rewards+ 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 $0 introductory annual fee for the first 12 months. After that, $99. The ongoing APR is 19.24% to 28.24% based on your creditworthiness; varies with the market based on the Prime Rate (terms accurate as of 10/2026). Signup bonus: Earn 25,000 points (worth up to $250) when you spend $2,000 within the first 120 days. Rewards: 1.5 Points per dollar on eligible Net Purchases; 4 Points per dollar on qualifying travel, gas station and electric vehicle charging station, entertainment, and recreation purchases.