U.S. Bank Business Cash Rewards World Elite™ MasterCard®

Advertiser & Editorial Disclosure

This widely-accepted business credit card from U.S. Bank has one of the smallest purchase requirements for a bonus offer. . Combined with the no interest rate for the first 15 months and a  annual fee, it’s a high-earning rewards card that gives you unlimited opportunities to save and redeem. Pros… Continue

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A great card boasting no annual fee, intro APR period, and generous rewards

U.S. Bank Business Cash Rewards World Elite™ MasterCard®

Intro APR 0%* for 9 billing cycles on purchases*
Annual Fee $0*

Rates and Fees

Terms, Rates & Fees

Intro APR 0%* for 9 billing cycles on purchases*
Purchase APR 14.24%-25.24%* (Variable)
Annual Fee $0*
Welcome Offer Earn a new cardmember bonus of $200 after you spend $1000 in net purchases on your card within the first 90 days of account opening
Rewards Rate 3% cash back on cellular, gas stations and office supply store net purchases. 1% cash back on other net purchases. No cap on total rewards and they never expire! Plus, a 25% Annual Cash Rewards bonus, up to $250.

Details

  • Earn a new cardmember bonus of $200 after you spend $1000 in eligible net purchases on your card within the first 90 days of account opening.
  • 0% intro APR* on purchases and balance transfers for the first 9 billing cycles.
  • 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases
  • 1% cash back on other eligible net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns

Nav's Verdict

Bottom Line A great card boasting no annual fee, intro APR period, annual cash back bonus and generous rewards on initial and ongoing expenses.

This widely-accepted business credit card from U.S. Bank has one of the smallest purchase requirements for a bonus offer. Earn a new cardmember bonus of $200 after you spend $1000 in net purchases on your card within the first 90 days of account opening. Combined with the no interest rate for the first 15 months and a $0* annual fee, it’s a high-earning rewards card that gives you unlimited opportunities to save and redeem.

Pros and Cons

Perks include:

  • 3% cash back on cellular, gas stations and office supply store net purchases. 1% cash back on other net purchases. No cap on total rewards and they never expire! Plus, a 25% Annual Cash Rewards bonus, up to $250.
  • $0* annual fee
  • Earn a new cardmember bonus of $200 after you spend $1000 in net purchases on your card within the first 90 days of account opening
  • 25% annual cash back bonus (capped at $250)
  • No interest for the first 15 months on purchases and balance transfers
  • Earnings don’t expire

Cons include:

  • All other categories earn a low 1% cash back rate
  • Foreign transaction fees of 2 – 3%
  • Potentially high APR after the intro period

Summary of the U.S. Bank Business Cash Rewards World Elite™ MasterCard®

If you’re looking for some sweet intro offers, the U.S. Bank Business Cash Rewards World Elite™ MasterCard® has you covered. It’s a beautiful blend of no-interest for the first year and an easy, bonus cash back offer. Earn a new cardmember bonus of $200 after you spend $1000 in net purchases on your card within the first 90 days of account opening. Add in that this card has no annual fee, and it’s a low-cost way to rack up a little extra cash for your business.

Full Review

As business cards go, this credit card has a balance of offerings. From the generous, 15-month, 0% interest rate window to the easy-to-achieve $200 bonus spending offer, it’s an attractive Mastercard product that business owners should find easy to use and profit from. While the 3% top earning tier isn’t as high as some cards, it’s rather generous in its opportunities; businesses can earn from fuel and cell services, something that isn’t very common in the marketplace. Add in office supplies at the top tier, and it’s easy to see how just using this card for a part of your monthly business spending can create big opportunities to earn.

For those hoping to use this card to pay down other debt, there is some good news. Very few business cards on the market let cardholders use the zero-percent window for both spending and transfers. If you have higher-interest debt somewhere else, now’s a good time to make the switch. While it still charges a transfer fee, that fee is much lower than the competition (3% for transfers vs. 4% or even 5% with other cards.)

This card has all of the must-haves for a solid business credit card, including zero fraud liability and fraud monitoring. You can also get cards for your employees with no annual fees, and track their spending through an innovative account portal. Account managers can set spending limits by card based on the time of day or day of the week, location, and even dollar amount. This tracking alone can make it easier to prevent employee theft or money mismanagement.

Is the U.S. Bank Business Cash Rewards World Elite™ MasterCard® Right for You?

U.S. Bank is proud of the reputation it’s earned with its World’s Most Ethical Companies Award (three years in a row), as well as its range of products and offerings for businesses of all sizes. If you have had good experiences with U.S. Bank in the past, this card should offer no surprises. Depending on how much you need to earn with a card, this business credit card could be a bit of a downer for overall earning in the long run. It’s short-term potential, however, is quite competitive and worth the application for qualified business owners.

If you’re still not sold on the perks of this business card, U.S. Bank has a few other options to consider:

The U.S. Bank Business Platinum has a tempting interest intro offer of 0%* for 20 billing cycles on purchases*. There are no rewards for this card, but it could be a good first-time business card prospect.

The U.S. Bank Business Select Rewards offers points instead of cash back, which can be redeemed for a variety of rewards. Earn 20,000 bonus points after you spend $1000 in net purchases during the first 90 days after opening your account. Earn 3 points per dollar on net purchases in one category of your choice: Day-to-Day Expenses, Automobile or Travel & Entertainment. Earn 1 point per dollar on other net purchases. No cap on total points you can earn.

Finally, the U.S. Bank Business Leverage™ Visa Signature® Card has a unique opportunity for businesses. Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases. With one point for all other purchases and no caps or limits, it’s a no-hassle way to reward your business each time you shop.

Frequently Asked Questions

Here are some answers to the most popular questions asked about applying for the U.S. Bank Business Cash Rewards World Elite™ MasterCard®:

What are the U.S. Bank business credit card credit score requirements?

Each card has a different threshold for credit scores, but the higher both your personal and business scores are, the better. Many business card applications require you to share your personal income, which can determine if you’re in a position to pay back credit promptly.  To ensure your chances of being approved, work to raise both your personal and business scores each month.

Is there a limit to the cash back rewards I can earn?

You can earn cash back on as many qualified purchases you can make, with no limit. There is also no threshold to what you can cash out in a year. (The only limits to your earning is with the Annual Bonus program, which gives you an additional 25% back on your past year’s rewards, up to $250 in additional earnings.)

How can I increase my chances of a U.S. Bank business credit card approval?

As with any card, having a better credit score can improve your chances of approval. Start by checking your score, then work to reduce inquiries to your credit accounts, make payments on time, and pay down existing debt. Ensuring your vendors report your on-time payments to reporting agencies is key, too. U.S. Bank also appreciates customer loyalty; if you have another account with them, they may consider your applications more seriously.

Will my rewards expire?

No. Your cash back earnings will not expire as long as you are a cardmember in good standing.

How can I redeem my cash? Are there minimums before cashing out?

Once a reward is credited, you can use it right away, in increments of $25. To redeem your reward, simply request it. You can direct it to be deposited into a U.S. Bank Savings, Checking, or Money Market Account, put onto a U.S. Bank Rewards Card, or applied to your card statement balance.

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About Author

Linsey Knerl

Linsey Knerl

Linsey Knerl is a Midwest-based author, public speaker and member of the ASJA. She has a passion for helping consumers and small business owners do more with their resources through awareness of the latest financial and tech services.