Smart Business Rewards Card — Elan Financial Services is a business credit card from Elan Financial Services. The annual fee is $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners. The ongoing APR is 18.49% to 25.49%. Rewards: 2X points per $1 in your top two spend categories each month; 1X other; 20,000 bonus points after $500 in first 90 days; 5X prepaid hotels and car rentals in Travel Center.