Business Credit 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 17.24% – 26.24% variable after a 0% introductory rate for 18 months. Rewards: 1% cash back on every purchase (at least 1% for every $1 in net purchases). Cash back: 1% cash back on every purchase. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).