Privateer Platinum — Elan Financial Services is a personal credit card from Elan Financial Services. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 9.50% fixed after 12 months after a 0.00% introductory rate for 12 months introductory rate for 12 months. Rewards: ScoreCard Rewards Bonus Points. This product reports activity to your personal credit report.