U.S. Bank Business Edge™

Cash Rewards
World EliteTM
Mastercard®

Enjoy these great rewards with your Card.

3% Cash Back.

On cellular, gas and office supply store eligible net purchases.1 1% cash back on all other eligible net purchases.

25% Annual Bonus.

Based on your prior year's Cash Rewards, up to $250.2

No Expiration.

On cash back or limits on the total rewards you can earn.

0% Intro APR.

Enjoy a 0% intro APR3 on purchases for the first nine billing cycles, and after that a variable APR, currently 12.99% - 23.99%.

$200 Cash Back.

Earn Cash Back after you spend $1,000 in eligible net purchases on a single card in the first 90 days.4

No Annual Fee.

No annual fee and free employee cards.

View Terms and Conditions

Compare

U.S. Bank Business Edge Cash Rewards World Elite MastercardBank of America Cash Rewards Business CardChase Ink Business Cash Rewards Card
World's Most Ethical Companies Award
Yes. The only U.S. bank awarded three years in a row No No
Annual Bonus Offer
Receive a 25% annual bonus based on your prior year's Cash Rewards, up to $250 None None
Limit on Cash Back >
No limit on the total rewards earned 3% rewards on up to $250,000 in gas and office supplies, 1% after that Rewards up to $25,000 in spending on office supplies, phone and internet, gas stations and restaurants
Balance Transfer Fee
3% of transaction amount or $5 minimum 4% of transaction amount or $10 minimum 5% of transaction amount or $5 minimum
Cash Back Rewards
3% cash back on eligible cellular, gas5 and office supply store net purchases

1% cash back on all other eligible net purchases
3% at gas stations and office supply stores

2% at restaurants

1% on all other net purchases
5% on office supplies, phone, internet and cable

2% at gas stations and restaurants

1% on all other net purchases
   
Accurate as of 10/2017 for the features shown here. Visit our Credit Card Comparison for more options.

Annual spend and cash back example.

If your Annual Spend is:

  • $5,400 on Gas, cell phone and office supplies (3% cash back).
  • $24,600 on all other expenses (1% cash back).

You would earn $510 cash back ($408 cash back, plus a $102 annual bonus).

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.

Mastercard Business Network

Tools for your business

Drive your business forward with exclusive offers, card acceptance solutions, advice, discounted business tools and more.

Mobile payments

Pay with your phone

Load your Edge card into your mobile device to pay securely in stores, apps and online.

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 The Cash Rewards earned with the U.S. Bank Business Edge Cash Rewards World Elite Mastercard is three percent (3%) of eligible net purchases when you use your card for single gas purchases of $200 or less, cellular products and services and at office supply stores. All other eligible net purchases will earn one percent (1%) Cash Rewards. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Merchant must submit the charge under the appropriate industry code as established by Mastercard and the merchant to qualify for rewards. Single transaction purchases of gasoline in excess of $200 will not be deemed to be a purchase of automobile gasoline and as such will earn a Reward of 1%. Cash Rewards may be redeemed in the form of a statement credit, U.S. Bank Rewards Mastercard Card or a Deposit to your U.S. Bank business checking, savings or money market account. Mastercard Reward Cards are issued by U.S. Bank National Association, pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
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2 An annual bonus equal to 25% of your prior year's Cash Rewards, with your U.S. Bank Business Edge Cash Rewards World Elite Mastercard, up to a maximum of $250, will be awarded following your Cash Rewards enrollment anniversary date. Full details will be provided when you become a cardmember.
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3 The introductory rate does not apply to balance transfers and cash advances or advances as defined in the Cardmember Agreement. The rate will end early and increase to the APR for Purchases or to a Penalty Rate APR if you make a late payment, make a payment that is returned or your account exceeds its credit limit. We apply your payments to balances with lower APRs first.
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4 $200 cash back will be credited to your account when you are approved for the U.S. Bank Business Edge Cash Rewards card and after net purchases totaling $1,000 or more are made to your account in the first 90 days of account opening. Please allow 8-10 weeks after you have met the spend requirement for your cash back to be credited to your Account. Cash Rewards may be redeemed as a statement credit, U.S. Bank Rewards Card, or deposit to another U.S. Bank account. Offer may not be combined with any other offer. Each card meeting the spend requirements will earn cash back. Spend on multiple cards may not be combined to meet the requirement.
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5 Single transaction purchases of gasoline in excess of $200 will not be deemed to be a purchase of automobile gasoline and as such will earn a reward of 1%.
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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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