US Bank Business Cash Rewards World Elite Mastercard
US Bank Business Cash Rewards Credit Card
Bonus Offer: Get $500 when you spend $3,000 in your first 90 days
Bonus Offer: Get $500 when you spend $3,000 in your first 90 days
★ This card earns bonus points for spend in the following bonus categories:
Best for:
Those that want 3% cash back on common business spending categories: gas, office supplies, and cell phone service.
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Card Features and Benefits:
- 3% cash back at gas stations
- 3% cash back on office supplies
- 3% cash back on your cellular service
- 1% cash back on all other eligible purchases
- No annual fee
- Cell Phone Protection: You can get reimbursed for up to $800 if your cell phone is stolen or damaged (but lost phones are not covered) as long as you pay your monthly cell phone bill with your card. A deductible applies and you will be covered for a maximum of $1,000 total per year and two claims max per year. Protection is secondary to homeowners/renters insurance.
- No Foreign Transaction Fees.
The US Bank Business Cash Rewards World Elite Mastercard may not be the first small business credit card that you think of, but it's an excellent cash back card if you spend a lot at gas stations, office supplies or cell phone service as you will earn 3% cash back on all three of these categories with no cap.
The US Bank Business Cash Rewards Signup Bonus
When you spend $3,000 within 90 days, you'll earn $500.
Annual Fee
There is no annual fee on this credit card.
How the US Bank Business Cash Rewards Credit Card Earns
If you are a straight up cash-hound and don't want points, this is the best business credit card on the market with no annual fee for spend at gas stations. While the American Express Business Gold Card earns 4X, that card has a $250 annual fee. And the Costco Business credit card earns 4%, but you need a Costco membership and there's a $7,000 annual cap on the Costco Business card.
25% Annual Bonus on Cash Back
After you have had the US Bank Business Cash Rewards Credit Card for one year, you'll get 25% of your prior year's cash rewards, up to $250, as a bonus.
You'll get the same bonus on every account anniversary based on the prior year.
If you earn $1,000 in cash back in a cardmember year, you would max that out for a full 25% bonus on that spend.
0% Intro APR
Get a 0% introductory rate on both purchases and balance transfers.
After 12 billing cycles, it will adjust to a variable APR, currently ranging from 13.99% to 22.99% (see application page for rates and fees).
US Bank Business Cash Rewards Benefits
US Bank Business Cash Rewards Credit Card Summary
The US Bank Business Cash Rewards Credit Card is an interesting offering for small business owners, especially those that are looking to stay under the Chase 5/24 rule, since this business credit card will not count towards Chase 5/24.
The $500 new cardmember bonus is great for a no annual fee card. And 3% on gas station purchases isn't bad at all!
While we don't think this would be the first or only business card in your wallet, it is definitely a contender for a spot!
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US Bank Business Cash Rewards Credit Card
Offer: Get $500 when you spend $3,000 in your first 90 days
Meet Dave
Dave’s spent the last 15 years traveling the world in first class using his miles and points. After analyzing the unique credit card spending habits of thousands of MilesTalk readers over the years, he developed YourBestCreditCards.com.
