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 annual fee is $0 introductory annual fee for the first 12 months. After that, $95 for Account Owners and $0 for Authorized Employees.. The ongoing APR is 18.49% to 25.49% variable (Prime Rate), based on creditworthiness. Approval typically requires a credit score of 700+ or higher. Rewards: 2X points per $1 spent in your top two spend categories each month – automatically; 1X points per $1 spent on all other eligible purchases; 5X points on prepaid hotels and car rentals booked directly in the Travel Center when you use your card. Cash back: 5% on prepaid travel booked in the Rewards Center. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).