Business Zero+ Card — Elan Financial Services is a business credit card from Elan Financial Services. Application typically pulls a hard report from TransUnion. The ongoing APR is 16.49% to 25.49% variable (Prime-based) after a 0% introductory rate for 18 months. Signup bonus: $150 bonus Awarded when you spend $500 within the first 90 days.. Rewards: Save on interest with an extended low introductory rate offer on purchases and balance transfers, plus earn cash back, and more; 5% cash back; On prepaid travel booked directly in the Travel Center when you use your card; $50 annual statement credit; When you spend $5,000 in the Travel Center using your Zero+ Card. Each cardholder is eligible; Cell phone protection; Get reimbursed up to $600 if your cell phone is stolen or damaged - just pay your monthly cell phone bill using your card; $0 fee ExtendPay Plan, annually; Get an opportunity to set up a 3-month $0 ExtendPay Plan offer each calenda. 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. 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%).