College Real Rewards 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. Signup bonus: 2,500 bonus rewards points awarded after first purchase. Rewards: 1.5 points per $1 spent on eligible net purchases (equal to 1.5% cash back). Cash back: 2,500 bonus rewards points awarded after first purchase, redeemable for $25 cash back, merchandise, gift cards or travel savings. This product reports activity to your personal credit report.