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

Earn $200 in
bonus cash.*

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

Apply Now for the U.S. Bank Business Cash Rewards Mastercard credit card.

Enjoy these great rewards with your Card.

3% Cash Back.

On eligible gas station, office supply store and cell phone/service provider net purchases.² 1% cash back on all other eligible net purchases.

25% Annual Bonus.

Based on your prior year's Cash Rewards, up to $250.³

No Expiration.

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

0% Intro APR.

Enjoy a 0% intro APR⁴ on purchases for the first nine 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.¹

No Annual Fee.

No annual fee and free employee cards.

View Terms and Conditions

Compare
Compare
World's Most Ethical Companies Award
World's Most Ethical Companies Award	Yes. The only U.S. bank awarded four years in a row	No	No
Annual Bonus Offer
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
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
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
Cash Back Rewards	3% cash back on eligible gas station,⁵ office supply store and cell phone/service provider 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.	Apply Now for the Cash Rewards Mastercard.
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.

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.

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^™.

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.

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.

Mobile Payments

Pay With Your Phone

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

Site Map

Locations | usbank.com | Customer Service | Privacy Pledge

U.S. Bank offers 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 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 rate will end early and increase to the APR for Purchases and Balance Transfers 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.

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.

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.

^*Offer only available online.

¹ One-time bonus of $200 cash back will be awarded if you are approved for a new Business Cash Rewards Card and eligible Net Purchases totaling $1,000 or more are made to the Account Owner's Card within the first 90 days from account opening. The Account Owner’s Card is the card assigned to the initial applicant of the account (or such person’s replacement) and would not include cards used by authorized employees. Net purchases are purchases minus credits and returns. Rewards are earned based on eligible net purchases. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers, and Convenience Checks; upon approval, see your Cardmember Agreement for details. 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.

Account Owners are eligible to receive a one-time enrollment bonus for each new Business Cash Reward account type per Company. Existing and previous Business Cash Reward accounts do not qualify for bonus cash for a similar account type. One-time bonus cash does not apply toward account upgrades. Use of the Business Cash Rewards card is subject to terms and conditions of the Business Cash Rewards Cardmember Agreement, which may be amended from time to time. This offer may not be combined with any other bonus offer. Subject to credit approval.
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² U.S. Bank Business Cash Rewards World Elite Mastercard cardmembers may earn three percent (3%) cash back on Net Purchases (purchases minus credit and returns) at gas stations, office supply stores and cell phone/service providers. All other Net Purchases may earn one percent (1%) cash back. Transactions qualify for cash back based on how merchants classify the transaction. U.S Bank cannot control how merchants choose to classify their business and reserves the right to determine which Purchases will qualify. Purchases of gasoline greater than $200 will not be deemed to be a purchase of automotive gasoline and as such will earn a reward of 1%.
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³ An annual bonus equal to 25% of your prior year's Cash Rewards, with your U.S. Bank Business 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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⁴ 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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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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U.S. Bank Business Cash Rewards World Elite™ Mastercard®

Earn $200 in bonus cash.*