The Elan VISA® Credit Cards is a personal credit card from Elan VISA® Credit Cards. Application typically pulls a hard report from Experian. The annual fee is Certain cards have an annual fee.. Rewards: we are pleased to provide you the opportunity to earn rewards with many of our credit card options.. Application rules: Chase 5/24: Chase will not approve any new card application — personal or business — if you have opened 5 or more credit cards from any issuer in the past 24 months. Business cards from Chase, Amex, and Capital One generally do NOT count toward the 5/24 total because they don't report to personal bureaus..