Zero+ Card — 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 17.49% to 28.49% variable, based on the Prime Rate after a 0% introductory rate for 21 months. Rewards: 4% cash back on travel booked with the card in the Rewards Center (prepaid airfare, attractions, car rental and hotel). Cash back: 4% Cash back on travel booked with the card in the Rewards Center. This product reports activity to your personal credit report.