Premier Visa Signature Preferred Credit Card — 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 first year, then $95. The ongoing APR is 17.99% - 25.99% variable, based on creditworthiness after a 0% on balance transfers for 6 months (3% or $5 minimum fee) introductory rate for 6 months. Signup bonus: $150 bonus or 15,000 bonus points after spending $4,000 in the first 90 days. Rewards: 2.5X points on travel purchases; 1.5X points on everything else (or choose cash back). Cash back: 3% on common business purchases, 2% on select travel purchases and 1% cash back on everything else.