The Elements Financial is a personal credit card from Elements Financial. Application typically pulls a hard report from Equifax. The annual fee is No annual fee. The ongoing APR is 14.74% variable (effective October 1, 2026) after a 0% intro APR on purchases and balance transfers introductory rate for 18 months. Rewards: 1% cash back on eligible net purchases. Cash back: Earn 1% cash back. This product reports activity to your personal credit report.