US Bank Business Cash

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welcome offer

Earn 3% cashback on all purchases, up to $500 earned, within the first 6 months. Intro 0% APR for 12 months on purchases and balance transfers.

Bonus Cash Value

Approximately $500*

Annual Fee

$0

Card Rewards

3% cashback on eligible gas station, office supply store, and cell phone/service providers

1% cashback on all other purchases

Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Card Overview

The US Bank Business card can work great for a business that spend a lot on gas, office supplies, or cell phone service, as it offers 3% cashback on those categories.

Card-Smart Tips & Advice
  • Good credit needed
  • Step by step guide how on to apply without an LLC or C-Corp
  • US Bank will not report business credit cards on personal credit reports
  • US Bank will usually pull your Experian credit report
  • If you frequently apply for credit cards, first freeze your IDA/ARS bureaus before applying for a US Bank credit card
  • You can check your application status by calling 1 800 947 1444
  • If declined you can call 1 800 685 7680 and ask to speak to the credit card reconsideration department
Balance Transfer Terms
  • Balance transfer fee: 3% or $5, whichever is greater
  • You cannot transfer balances from other credit cards issued by US Bank
  • To receive the intro APR offer, transfers must be completed within the first 60 days after account opening
  • Loss of Introductory APR: US Bank may end your introductory APR and apply the standard APR or Penalty APR if you make a late payment, make a payment that is returned, or your account exceeds its Credit Limit. Here are the exact terms 1) Make payments 5 calendar days late twice or 30 calendar days late once; or 2) Make a payment that is returned; or 3) If you exceed your Credit Limit 2 times in 12 consecutive months.
Welcome Offer Eligibility
Account Owners are eligible to receive a one-time enrollment bonus for each new Business Cash Reward account type per Company. Existing and previous Business Cash Reward accounts do not qualify for bonus cash for a similar account type.
Card Details And Benefits
  • Earn a bonus 25% of your prior year’s cash rewards
  • Cell Phone Protection

Compare Cards

CardUS Bank Business CashUS Bank Business Leverage
Welcome BonusEarn 3% cashback on all purchases, up to $500 earned, within the first 6 months. Intro 0% APR for 12 months on purchases and balance transfers.Earn 75,000 points after $7500 spent within the first 4 months.
Annual Fee$0$95
Rewards- 3% cashback on eligible gas station, office supply store, and cell phone/service providers - 1% cashback on all other purchases - 2 points on net purchases made within your top two categories; check out the full list of categories here - 1 point on all purchases
No Foreign Transaction Fee3%None
Auto Rental Collision InsuranceSecondary coverage on rentals up to 31 days. Excluding cars rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Coverage is provided through Visa Signature Business.
Extended Warranty ProtectionGet up to one additional year on top of the original manufacturer’s warranty. (Will only cover if the original warranty is for 3 years or less). Max $10,000 per claim $50,000 per cardholder. Coverage is provided through Visa Signature Business.
Cell Phone ProtectionGet reimbursed for up to $800 per claim (with a $50 deductible) if your cell phone brakes or stolen. To activate coverage you need to pay your monthly cell phone bill with your US Bank Cash credit card. (max $1,000 per year).
Purchase ProtectionLost and theft, up to 90 days. $10,000 per claim ($50,000 per account). Coverage is provided through Visa Signature Business.
Authorized User Fee$0$0

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*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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