Zero+ Card — Elan Financial Services is a personal credit card from Elan Financial Services. The annual fee is No annual fee. The ongoing APR is 17.49% to 28.49% after a 0% introductory APR for the first 21 billing cycles introductory rate for 21 months. Rewards: 4% cash back on prepaid travel booked in the Travel Center; $15 annual statement credit after 11 consecutive months of purchases.