US Bank Business Cash

welcome offer

Earn $500 after $4,500 spent within the first 5 months. Intro 0% APR for 15 months on purchases and balance transfers.

Bonus Cash Value

Approximately $500*

Annual Fee

$0

Card Rewards

Earn 3% cashback on eligible gas station, office supply store and cell phone/service provider net purchases

Earn 1% cashback on all other eligible net purchases

Earn 25% of your prior year’s cash rewards

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 to apply without a legal business
  • 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.
Card Details And Benefits
  • Auto Rental Collision Insurance
  • Cell Phone Protection

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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.