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). Approval typically requires a credit score of Good (670+) or higher. Signup bonus: 20,000 bonus points (worth up to $200) after eligible net purchases totaling $500 or more on the Authorized Officer's card within 90 days of account opening. Rewards: 1 point per $1 on eligible net purchases; 2 points per $1 (1 base + 1 bonus) on eligible net purchases in your top 2 highest spend categories each billing cycle (categories adjust automatically; some exclusions); 5 points per $1 (1 base + 4 bonus) on prepaid car and hotel reservations purchased in the Travel Center; rewards expire 5 years from when earned. Typical credit limit: $5,000 - $50,000. 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. Underwritten by TCM Bank, N.A. (subsidiary of ICBA Payments). Community bank white-label card program. Bureau pull data not publicly verified. Processed by TCM Bank (ICBA). Primary bureau pull is Experian per myFICO community reports (https://ficoforums.myfico.com/t5/Credit-Cards/TCM-Bank-credit-cards-any-thoughts/td-p/6303273). TCM Bank is a subsidiary of ICBA Payments serving 750+ community banks and 530K+ customers. State-by-state breakdown estimated based on similar community bank processors — no crowdsourced state-level data exists for TCM specifically.