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% variable (Prime-based). 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: 2X points per $1 spent in your top two spend categories each month (automatic); 1X points per $1 on all other eligible purchases; 5X points on prepaid hotels and car rentals booked directly in the Travel Center; welcome offer 20,000 bonus points (worth up to $200) after $500 spent on the Authorized Officer's card within 90 days. 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%).