Commercial 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 no annual fees. The ongoing APR is 14.99% - 24.99% Variable after a 0% introductory APR introductory rate for 6 months. Rewards: Earn one point for every $1.00 spent, or 1% on all purchases. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).