Rates and Fees
|Purchase APR||18.74% (Variable)|
|Welcome Offer||Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases.|
|Rewards Rate||2X in your top 2 categories - Earn two points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically. 1X – Earn one point per dollar spent on all other eligible net purchases. No caps or limits – On the total points you can earn.|
- Earn up to 100,000 bonus points in the first 365 days of account opening with an additional point on all eligible net purchases.
- 2X in your top 2 categories - Earn two points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month - automatically.
- 1X – Earn one point per dollar spent on all other eligible net purchases.
- No caps or limits – On the total points you can earn.
- Earn even more rewards – When you link you card to your U.S. Bank payment processing account. Only U.S. Bank rewards you for both taking payments and making purchases. Go to usbrelationshiprewards.com for more details.
- Free employee cards
For the small business owner who concentrates most of their spending on two main categories, the opportunity to earn is impressive with this card. pumps up the earning with an extra bonus points points to jump-start your first redemption.
Pros and Cons
- Redeem points for gift cards, cash back, travel or merchandise
- No annual fee the first year
- Earn a bonus point per dollar in the first year (up to 100,000 points)
- Free employee cards
- 1 point per dollar on other categories
- Annual fee of $95 after the first year
- No intro APR
- Foreign transaction fees of 2-3%
Summary of the
Busy business owners have no time to calculate their best-earning categories, and the ensures it’s handled for you. . A waiver on the annual fee the first year lets you try it out and see if it’s a good fit for the long-term.
While this credit card has no interest-free promo periods, it’s not the highest-priced card on the market by any means. With a relatively modest rate and no annual fee the first year, you could earn some incredible point balances before you ever pay for interest or fees. .
This card does charge foreign transaction fees, which is something to consider if you travel a lot. There is no annual fee for employee cards; however, so domestic fleets and local sales teams can earn you rewards for future point offers without costing you a thing. If you use U.S. Bank for your payment processing, you’ll earn even more through their partner program that rewards you for spending and selling.
Many happy U.S. Bank companies that already love their checking, savings, payment, and payroll services have found adding a business credit card a natural next step. This card offers a good balance of rewards, simplicity, and fees and will be accepted anywhere Visa is.
While this credit card doesn’t offer the highest earning rate for purchases (just 2 points per dollar in its highest tier), it may be the most intuitive. Instead of having to track their purchases and guess which spending categories will be the most lucrative in the next quarter, cardholders can let this credit card do the work of automatically assigning the highest earning tier to those categories they spend the most. While not all categories are covered, most business niches are. For cardholders that want the easiest earning experience, this card may be it. If you’d like a more competitive earning rate or a better promo interest rate, consider these other cards from U.S. Bank:
Another points card that’s proving useful to business owners is the , a good tool for accruing points fast that can be redeemed for many items. The 3 points per dollar earning rate is also an attractive feature of this card.
If you want fast cash, consider the . . Earn With no annual fee and an incredibly competitive 25% annual cash reward bonus, it’s one of the most sought-after business cards U.S. Bank currently offers.
Finally, if you like interest-free promo periods and don’t care about rewards, you might find the to be a good fit. Its 0% interest intro offer on purchases and transfers for 12 months and no annual fee are both popular perks. It’s ideal for those looking to dip their toes into the business credit waters.
Frequently Asked Questions
Looking for answers regarding the ? Here are the most common questions with answers:
What are the U.S. Bank business credit card credit score requirements?
Each credit card has different features and cardholder profiles, with some aimed at those with better credit scores. Your credit score isn’t the only thing that will be used to make a decision, however. Your type of business, assets, and revenue records will also be considered. A credit score is just one factor used to decide, but the better your score, the more likely you’ll be approved.
How will I know if I’ve received a U.S. Bank business credit card approval?
Your notification of approval or denial may happen right away upon submitting your online application, but in many cases, it may take a few days. You should receive word of your decision within 7-14 business days at the contact information you provided or through U.S. mail.
Will my rewards expire?
Points expire after five years. There are no limits to earning.