U.S. Bank Cash Rewards
World EliteTM

U.S. Bank Business Cash Rewards
World Elite Mastercard®

Earn $200 in
bonus cash.

Just spend $1,000
in the first 90 days
of opening your account.

Enjoy these great rewards with your Card.

3% Cash Back.

On eligible cellular, gas and office supply store 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 and balance transfers for the first fifteen billing cycles, and after that a variable APR, currently 14.24% to 25.24%.

$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


U.S. Bank Business 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 5% rewards up to $25,000 in spending at office supplies stores, phone, internet, cable services and 2% rewards up to $25,000 at 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 12/2018 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.


Keep your business
purchases secure

Help 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 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.