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3.1
Rewards rate
1% - 3%3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases 1% cash back on other eligible net purchases
Annual fee
Intro offer
Limited Time Offer: Earn $500 cash back after spending $3,000 in the first 90 days of opening your account.
Pay over time APR
Regular APR
The U.S. Bank Business Cash Rewards World Elite™ Mastercard® is geared toward small business owners who want to earn cash back without an annual fee. Plus, the dual low-interest introductory APR offer on purchases and balance transfers is great if you need more payment flexibility.
Earn an unlimited 3 percent cash back on eligible purchases
Earn an extra 25 percent on prior year’s rewards (up to $250) each anniversary year
No annual fee, lengthy intro APR on both purchases and balance transfers and free employee cards
Rewards must be redeemed in $25 increments
Rewards can only be redeemed for statement credits, bank deposits or a rewards card
Earn $500 cash back when you spend $3000 in the first 90 days of opening your account
If you’re interested in earning cash back without an annual fee, the U.S. Bank Business Cash Rewards World Elite Mastercard is worth considering. Unlike many cash back cards, you can earn unlimited rewards in the qualifying categories.
To get the most from the U.S. Bank Business Cash Rewards World Elite Mastercard, you’ll want to use the card on eligible purchases at gas stations, office supply stores and cellphone/service providers. You’ll earn an unlimited 3 percent in these categories.
Get 25% of your prior year’s cash rewards, up to $250, on the anniversary of opening your account.
A major upside to the U.S. Bank Business Cash Rewards World Elite Mastercard? Your rewards will never expire. The downside? They must be redeemed in increments of $25.
To cash in rewards, simply log in to your U.S. bank account and choose to redeem under the “My Rewards” tab. Or, you can call U.S. Bank and redeem over the phone.
You accrue rewards on a dollar basis, as a percentage of what you spend. So, at 3 percent cash back, you’re earning $3 for every $100 you spend. Outside the bonus categories, you will earn $1 for every $100 you spend. Your account will reflect your rewards as dollars.
The U.S. Bank Business Cash Rewards World Elite Mastercard is one of the best U.S. Bank business credit cards. The rewards structure is amplified by an intro APR offer and a $0 annual fee, so you can get the most bang for your buck.
If you have employees who are responsible for business purchases, you can get them a card at no additional cost. Their purchases will help you earn rewards. And U.S. Bank offers 24/7 customer service and fraud monitoring so you don’t have to worry about your additional cards.
As with any World Elite Mastercard, you’ll get the added benefits of cellphone protection, auto rental insurance coverage, airport concierge assistance and more.
Each year, you’ll receive a 25 percent bonus on the cash you earn from the year prior, up to $250.
With the U.S. Bank Business Cash Rewards World Elite Mastercard, you get a 0 percent intro APR for the first 12 billing cycles on both purchases and balance transfers. The balance transfer fee is 3 percent or $5, whichever is greater. If you have any large upcoming purchases, this window can be an ideal time to finance them. Otherwise, the regular APR is a variable rate of 13.99 percent to 22.99 percent variable.
Additionally, there is no annual fee.
The U.S. Bank Business Cash Rewards World Elite Mastercard holds its own against other business credit cards. The Ink Business Unlimited® Credit Card, for example, has unlimited cash back at a rate of 1.5 percent. The Ink Business Cash® Credit Card offers rewards in similar categories at a slightly higher rate; but the cash back is curbed by a spending limit of $25,000.
Annual fee
Intro offer
Limited Time Offer: Earn $500 cash back after spending $3,000 in the first 90 days of opening your account.
Rewards rate
3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases 1% cash back on other eligible net purchases
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Annual fee
Intro offer
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Rewards rate
Earn unlimited 1.5% cash back on every purchase made for your business
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Annual fee
Intro offer
Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
Rewards rate
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
If you’re looking to make the most of the U.S. Bank Business Cash Rewards card, consider filling the gaps this card doesn’t cover. Have travel expenses or spend lots of money on company meals? Pair your U.S. Bank Business Cash Rewards Elite Mastercard with one that rewards you for the expenses.
Not only is this card one of the best U.S. Bank business credit cards, but it’s also one of the better cash back cards in the game. If you rack up a lot of business expenses in the right categories, there’s no limit on what you can earn. Get the most from the U.S. Bank Business Cash Rewards World Elite Mastercard by shopping at office supply stores, gas stations and phone companies.
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.