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 ongoing APR is 18.49% to 25.49% based on your creditworthiness when you open your account (Smart Business Rewards Card section). Signup bonus: 20,000 bonus points (worth up to $200) When you spend $500 on the Authorized Officer’s card within the first 90 days. Rewards: 1X points per $1 on eligible purchases; 2X points per $1 in top two spend categories each month (automatic); 5X points on prepaid hotels and car rentals in the Travel Center; 20,000 bonus points after $500 in 90 days. Stored text "Earn up to 4X points AND receive 15,000 bonus points" is the Everyday Rewards+ (personal) headline.. 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%).