U.S. Bank Business

Select Rewards Card

Choose Your 3X Points Category

Day-to-Day Expenses

Including shipping, advertising, utilities, office supply, telecom and professional services businesses.1

Automotive
 

Including gas and service stations, tire shops, car dealerships, car wash facilities, toll gates and car repair establishments.2

Travel and Entertainment

Including airline, hotel, car rental, restaurant and travel agencies.3

20,000 Bonus Points

Earn 20,000 extra points when you spend $1,000 in eligible net purchases within the first 90 days after opening your account.4

0% Intro APR

Enjoy a 0% Intro APR5 on purchases for the first nine billing cycles, and after that a variable APR, currently 14.24% to 25.24%.

No Annual Fee

No annual fee and free employee cards.

View Terms and Conditions

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Select Visa CardBank of America Visa Business CardWells Fargo Visa Business Card
World's Most Ethical Companies Award
Yes. The only U.S. bank awarded four years in a row No No
Choice of Bonus Category
Choose your 3X points category: day-to-day expenses, automotive or travel and entertainment 3% cash back on the category of your choice from a list of select categories. Categories available:
  • Airfare purchased directly from airlines
  • Hotel rooms purchased directly from hotels
  • Car rentals purchased from select car rental companies
  • U.S. gas stations
  • U.S. restaurants
  • U.S. purchases for advertising in select media
  • U.S. purchases for shipping
  • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
Choice of Cash Back Advantage or Reward Points
Balance Transfer Fee
3% of transaction amount or $5 minimum Balance transfers not available 4% of transaction amount or $10 minimum, with $175 maximum
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

5% back at U.S office supply stores and wireless telephone services purchased directly from U.S. service providers

3% back on category of cardholder's choice

1% back everywhere else

1.5% for every $1 spent on net purchases or 1 point for every $1 spent on net purchases

Limit on Rewards
No limit 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter

No limit

   
Accurate as of 12/2018 for the features shown here. Visit our Credit Card Comparison for more options.

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

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' credit cards 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 tools7

Online reporting

Track your spending

Free online tool that provides instant access to reporting that is designed to give you a clearer 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.