Business Cash Preferred 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. after a 0% intro APR on purchases and balance transfers introductory rate for 12 months. Signup bonus: $500 cash back when you spend $5,000 within the first 150 days. Rewards: 3% cash back on eligible net purchases at dining (including takeout and restaurant delivery), gas and EV charging stations (excluding wholesale clubs and discount stores/supercenters; fuel/charging purchases over $200 earn 1%), office supply stores and cell phone service providers; 1% on all other eligible net purchases; 5% on prepaid car and hotel reservations booked in the Travel Center; rewards expire 5 years from when they are earned. Typical credit limit: $20,000. 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 is paid in full by the due date each month; 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).