Smart Business Rewards 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 introductory annual fee for the first 12 months; after that $95 for Account Owners and $0 for Authorized Employees. The ongoing APR is 18.49% to 25.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate. (terms accurate as of 10/2026). Signup bonus: 20,000 bonus points (worth up to $200) after $500 in eligible net purchases on the Authorized Officer's card within 90 days of account opening. Rewards: 2X points per $1 in your top two spend categories each billing cycle (automatic); 1X on all other eligible purchases; 5X on prepaid hotels and car rentals booked in the Travel Center. Cash back: 5% cash back in two categories of your choice, 2% unlimited cash back on one everyday category, 1% unlimited cash back on all other eligible purchases. Loan terms: Revolving business credit card; due date 24-30 days after the close of each billing cycle; no interest on new purchases if the entire balance (or Plan Adjusted Balance) is paid in full by the due date each month; interest on cash advances and balance transfers from the transaction date; minimum interest charge $1; optional Card ExtendPay fixed-payment plans. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).