U.S. Bank Business Edge™

Select Rewards Card

Choose Your 3X Points Category

Day-to-Day Expenses

Including shipping, advertising, utilities, office supplies, telecom and professional services.

Automotive
 

Including gas, service, tires, tolls, dealerships, car washes and repairs.

Travel and Entertainment

Including airlines, auto rental, hotels, restaurants and travel agencies.

20,000 Bonus Points

Earn 20,000 extra points when you spend $1,000 in the first 90 days after opening your account.1

0% Intro APR

Enjoy a 0% Intro APR2 on purchases for the first nine billing cycles, and after that a variable APR, currently 12.99%-23.99%.

No Annual Fee

No annual fee and free employee cards.

View Terms and Conditions

Compare

Select Visa CardBank of America Visa Business CardWells Farge Visa Business Card
World's Most Ethical Companies Award
Yes. The only U.S. bank awarded three years in a row No No
Choice of Bonus Category
Choose your 3X points category: day-to-day expenses, automotive or travel and entertainment No choice Choice of Cash Back Advantage or Reward Points
Balance Transfer Fee
3% of transaction amount or $5 minimum 4% of transaction amount or $10 minimum 5% of transaction amount or $10 minimum
Rewards Rate

3 points on day-to-day expenses, automotive or travel and entertainment, depending on the bonus category you choose

1 point everywhere else

2 points at gas stations, restaurants and office supply stores

1 point everywhere else

1.5% for every $1 spent on net purchases

Limit on Rewards
No limit No limit

No limit

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

Monthly spend earning example:

If your Monthly spend is:

  • $1,200 on day-to-day expenses (3 points per eligible net dollar spent).
  • $625 on Travel and entertainment (1 point per eligible net dollar spent).
  • $750 on Automotive (1 point per eligible net dollar spent).
  • $450 on All other expenses (1 point per eligible net dollar spent).

You would earn 65,100 annual points.

Additional features to help you manage your business.

Security

Keep your business
purchases secure

Protect your business from unauthorized purchases with:

  • Zero fraud liability3
  • 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 Earn three points per net $1 spent on eligible net purchases when you use your card at merchants classified in merchant category codes within the selected category. All other eligible net purchases will earn on point per dollar. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn points, such as Advances, Balance Transfers and Convenience Checks. Merchants must submit the charge under the appropriate merchant or industry code, as established by Visa and the merchant to qualify for rewards. U.S. Bank does not control how merchants choose to identify their business and reserves the right to determine which purchases qualify. Full details will be provided when you become a cardmember.
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2 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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3 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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