Business Zero+ 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 16.49% to 25.49% variable (Prime Rate), based on creditworthiness after a 0% introductory rate for 18 months. Signup bonus: $150 bonus Awarded when you spend $500 within the first 90 days. Rewards: Earn up to 5% cash back in 2 categories you choose. 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. Underwritten by Elan Financial Services (US Bank program). Bureau pull varies by state: TransUnion (~52%), Experian (~25%), Equifax (~24%).