Visa® Business Cash Card — Elan Financial Services is a business credit card from Elan Financial Services. Application typically pulls a hard report from TransUnion. Signup bonus: $25 cash back awarded after first purchase (applied 6 to 8 weeks after first purchase; not awarded for balance transfers or cash advances). Rewards: 3% cash back on eligible purchases from office supply stores, phone and TV services; 2% cash back on eligible restaurant and gas station purchases; 1% cash back on all other eligible purchases. Cash back is tracked as points (1 point = $0.01); additional points unlimited; points expire five years from the end of the quarter earned; redeem as a cash deposit to a PrimeWay checking or savings account or as a statement credit. Advances, balance transfers and convenience checks do not earn rewards.. 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%).