The ELEMENTS FINANCIAL is a business credit card from ELEMENTS FINANCIAL. The annual fee is No annual fee. The ongoing APR is 14.49% after a 0% introductory rate for 18 months. Rewards: Earn rewards for your everyday purchases. Cash back: 1% cash back. Typical credit limit: Determined by underwriting/credit approval. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).