Business Cash Preferred Card — Elan Financial Services is a business credit card from Elan Financial Services. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 17.49% to 26.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. after a 0% introductory APR for the first 12 billing cycles. introductory rate for 12 months. Signup bonus: $500 cash back when you spend $5,000 within the first 150 days. Rewards: 3% cash back on eligible net purchases at dining (including takeout and restaurant delivery), gas and EV charging stations (purchases of $200 or less; excludes wholesale clubs and discount stores/supercenters), office supply stores and cell phone service providers; 1% on all other eligible net purchases; 5% on prepaid car and hotel reservations booked in the Travel Center; rewards expire 5 years after they are earned. Cash back: 5% cash back in two categories of your choice, 2% unlimited cash back on one everyday category, 1% unlimited cash back on all other eligible purchases. Loan terms: Revolving business credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance is paid by the due date each month; minimum interest charge $1. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).