One Card — Elan Financial Services

One Card — Elan Financial Services is a charge card from Elan Financial Services. Application typically pulls a hard report from TransUnion. The annual fee is No annual fee. Rewards: Rebate incentive on qualified purchases, with travel benefits.

Other TowneBank cards & products

• Commercial Rewards Card — Charge Card

Sources & citations

• Rewards: https://www.townebank.com/business/cards/credit-cards/commercial-rewards-and-one-card/ (checked 2026-10-24)
• Credit bureau: https://ficoforums.myfico.com/t5/Understanding-FICO-Scoring/What-point-drop-should-I-expect-from-2-new-revolving-accounts/m-p/6871290#M208725 (checked 2026-10-20)
• Credit bureau by state: https://www.doctorofcredit.com/fidelity-visa-2-back-card-150-sign-up-bonus-publicly-available/#comment-2135809 (checked 2026-10-20)