U.S. Bank FlexPerks®
Business Edge™

Travel Rewards

Enjoy these great rewards with your Card.

20,000 Bonus Points.

Earn 20,000 bonus FlexPoints after $2,000 in eligible net purchases within the first four months of account opening.1

2X FlexPoints.

Earn twice the FlexPoints in the category where you spend the most each month—either gas, office supplies or airlines, plus on cell phone expenses.2

1X FlexPoints.

In addition, earn one point for every other eligible dollar you spend.3

Get Rewarded Faster.

Start redeeming at just 1,000 FlexPoints for merchandise, gift cards, statement credits and more.

Award Flights.

Book award flights on over 150 airlines with no blackout dates or online redemption fees. Get a $25 airline allowance with every award ticket for baggage fees, food, drinks and more.4

Annual Fee Credit.

If you spend $24,000 in net purchases annually, your $55 annual fee (plus $10 fee for each employee card) gets credited back to your account.5

View Terms and Conditions

Compare

FlexPerks Visa CardDelta Skymiles CardChase Ink Card
World's Most Ethical Companies Award
Yes. The only U.S. bank awarded three years in a row No No
Annual Fee
$55 $95 $95
APR
From 12.99% From 15.99% From 16.49%
Earn

2 points on cell phone purchases

2 points on gas, office supplies or airlines purchases (whichever is greater)

1 point everywhere else

2 miles on Delta purchases

1 mile everywhere else

3 points on travel, shipping, internet, cable, phone services and social media/search engine advertising

1 point everywhere else

Limit on Rewards
No limit No limit

3X categories earn accelerated points on up to $150,000 in combined category purchases

No limit on all other purchases

   
Accurate as of 03/2017 for the features shown here.

Monthly spend and FlexPoints earning example:

If your Monthly spend is:

  • $1,500 on airlines (2 FlexPoints per eligible net dollar spent).
  • $410 on cell phone service providers (2 FlexPoints per eligible net dollar spent).
  • $2,300 in other expenses (1 FlexPoint per eligible net dollar spent).

You would earn 73,440 annual FlexPoints.

Additional features to help you manage your business.

Security

Keep your business
purchases secure

Protect your business from unauthorized purchases with:

  • Zero fraud liability6
  • Chip technology.
  • 24/7 fraud monitoring.

24/7 Dedicated Service

Here when you need us

Running a small business is a 24-hour job, so our 100% domestic servicing center provides 24/7 dedicated service when you need it most.

Card Controls

Spending Controls
and Efficiency

Customize your employees’ business credit card to control where, when and how your employees use them.

  • Set controls by time, place, and dollar amount
  • Customize payment due dates
  • Set up account alerts and interest-saving tools

Online reporting

Track your spending

Free online tool that provides instant access to reporting that is designed to give you a more clear picture of your credit card spending.

Accept payments

Accept all payment types

Enable your customers to pay with credit and debit cards, along with mobile wallets, like Apple Pay® and Paypal®.

Two ways to earn

Encore Relationship Rewards

The only bank that rewards you for taking payments and making purchases. Learn more about Encore Relationship Rewards.

U.S. Bank offers small businesses a comprehensive line of products and services, such as cash flow management, payment processing, remote deposit and much more. To learn more, visit your local U.S. Bank branch to talk with a small business banker.

U.S. Bank may change APRs, fees and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or MasterCard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

"World’s Most Ethical Companies” and “Ethisphere” names and marks are registered trademarks of Ethisphere LLC.

©2017 U.S. Bank

Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Cardmember Agreement for additional information.

This page may contain links to third-party websites not controlled by U.S. Bank. U.S. Bank is not responsible for the content or any products and services offered, nor does it guarantee the system availability or accuracy of information contained in the site. Please note that the third party site may have terms of use, privacy, and information security policies that differ from those of U.S. Bank.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.


1 Available Travel Rewards, Gift Certificate Rewards, Merchandise Rewards, Magazines and any other Program Rewards, and the number of FlexPoints needed to obtain each reward, are available to Cardmembers at the Rewards Center or by phone at 888.229.8864. U.S. Bank and/or third-party vendors may change or terminate participating merchants: withdraw, limit, modify or cancel any rewards; or increase the number of FlexPoints required of any reward at any time without advance notice, even though such changes may affect the accrual or value of FlexPoints or rewards, For redemptions, information about the current Program Rewards Schedule, inquiries and updates, visit the Rewards Center anytime or call 888.229.8864 between 8:00 a.m. and 10:00 p.m. (CT) Monday through Friday, and between 8:00 a.m. and 5:30 p.m. (CT) Saturday through Sunday.
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2 U.S. Bank FlexPerks Business Edge Travel Rewards cardmember may earn additional FlexPoints for eligible net purchases at merchants that are classified as: airlines, gas stations or office supply stores (each, a "Category"). You will earn FlexPoints at a rate of two FlexPoints for every $1 in eligible net purchases in the one Category in any given monthly billing cycle that has the highest total of eligible net purchases charged to your Account (the "Highest Category"). U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which Purchases will qualify.
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3 U.S. Bank will credit your FlexPerks Business Edge Travel Rewards card account with FlexPoints as follows. For eligible Net Purchases, earn one FlexPoint for every $1. Net purchases are purchases minus credits and returns. FlexPoints will be awarded as long as your Account is open and not 5 days or more past due at the close of your billing period. We will not award FlexPoints for Advances, Convenience Checks, Balance Transfers, Interest Charges and Fees, credit insurance charges, or transactions to fund certain prepaid card products. We reserve the right to adjust the number of FlexPoints for Purchases or to stop issuing FlexPoints for Purchases on the Account, upon notice to you. FlexPoints will expire at the end of the calendar quarter, at 11 p.m. Central Time, that is five (5) years from the date on which they were earned. FlexPoints are redeemed or expire on a first-in, first-out basis, so FlexPoints you earned first are used or expire before FlexPoints you earned later.
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4

FlexPerks Business Edge Travel Rewards Cardmembers may receive up to a $25 airline allowance with each redeemed airline award travel ticket. Cardmembers who redeem FlexPoints for award travel may be credited up to $25 on a future statement for Qualified Purchases made using their FlexPerks Business Edge Travel Rewards card with the airline carrier providing award travel flight. "Qualified Purchases" are any purchases made with your FlexPerks Business Edge Travel Rewards card that post to your account under the airline carrier providing your award travel flight between the dates of your award travel flight. Cardmembers must call Cardmember Services at 800.374.7979 to request a statement credit within 90 days of a Qualified Purchase. Once the request is approved by Cardmember Services, the cardmember will receive a statement credit within 4-6 weeks for the amount of the qualified purchase, up to $25. U.S. Bank does not have the ability to control how a merchant chooses to classify their business and therefore reserves the right to determine which purchases qualify for allowance. You may redeem allowance for Qualified Purchases only if your account is open and in good standing under the terms of your Cardmember Agreement. Once you or we close your account for any reason, your allowance may be forfeited.


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5 The FlexPerks® Business Edge™ Travel Rewards Card annual fee is $55 per year for Account Owners and $10 per year for Authorized Employees. FlexPerks® Business Edge™ Travel Rewards Cardmembers who spend $24,000 or more in eligible Net Purchases that post to the Company's account within their 12-month annual statement year will have their $55 Account Owner annual fee and each additional $10 Authorized Employee annual fee credited back to their account.
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6 U.S. Bank provides zero fraud liability for unauthorized transactions. Cardholder must notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.
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