Business Real 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. The ongoing APR is 17.49% to 26.49% 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) after a 0% introductory APR for the first 6 billing cycles on purchases, and on balances transferred within 186 days from account opening introductory rate. Signup bonus: 2,500 bonus points (worth up to $25) after your first purchase.. Rewards: 1.5 Points per dollar on eligible Net Purchases each billing cycle; 5.5 Points (1.5 base + 4 bonus) per dollar on prepaid car and hotel reservations purchased in the Travel Center; rewards expire 5 years from when they are earned. Cash back: 1.5% cash back. 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; Card ExtendPay fixed-payment plans may be offered. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).