Business Rewards Visa — Elements Financial is a business credit card from Elements Financial. The annual fee is $0. The ongoing APR is 14.49% after a 0% introductory rate for 18 months. Rewards: 1% cash back on all eligible purchases; no cap; no enrollment; cash back automatically credited to the card balance, payable in $25 increments (balances under $25 expire 5 years from the month earned); eligible purchases exclude cash advances, balance transfers, convenience checks, fees and finance charges. 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).