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 and $0 for Authorized Employees.. The ongoing APR is 18.49% to 25.49%. Rewards: 2X points per $1 spent in your top two spend categories each month – automatically; 1X points per $1 spent on all other eligible purchases; 5X points on prepaid hotels and car rentals booked directly in the Travel Center when you use your card; 20,000 bonus points when you spend $500 on the Authorized Officer’s card within the first 90 days of account opening.