Vivid Rewards — Elan Financial Services is a personal credit card from Elan Financial Services. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 16.00% to 28.00% after a 0% for 6 months introductory rate for 6 months. Signup bonus: $1,000 cash back when you spend $5,000 in the first 120 days. Rewards: 3 points per $1 on entertainment, dining, rideshare and streaming; 1 point per $1 on everything else. Cash back: 3% cash back on common business purchases, 2% cash back on select travel purchases and 1% cash back on everything else.