Preferred Points Business Credit 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 17.99% - 26.99% Variable. Rewards: Earn one point for each dollar spent, up to 10,000 points per month.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).