Smart Business Rewards Card — Elan Financial Services is a business credit card from Elan Financial Services. Application typically pulls a credit report from TransUnion. The annual fee is $0 for the first 12 months, then $95 for account owners and $0 for authorized employees. The ongoing APR is 18.49% to 25.49% variable, based on creditworthiness. Signup bonus: 20,000 points after $500 on the authorized officer's card within 90 days. Rewards: 2X points per $1 spent in your top two spend categories each month (automatic); 1X points per $1 on all other eligible purchases; 5X points on prepaid hotels and car rentals booked directly in the Travel Center.