Travel 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 introductory annual fee for the first 12 months; after that, $99. The ongoing APR is 19.24% to 28.24% variable, based on creditworthiness (Prime-based). Signup bonus: 25,000 points when you spend $2,000 within the first 120 days. Rewards: 4X points on eligible travel, gas stations and EV charging stations, entertainment and recreation purchases; 1.5X points on all other eligible purchases; complimentary Priority Pass Select membership.