U.S. Bank Business Cash Rewards, Get $500 Bonus Plus 3% Categories

U.S. Bank Business Cash Rewards

Update: This card is no longer available. It has been replaced by the new US Bank Triple Cash Back Business Card.

The U.S. Bank Business Cash Rewards World Elite™ Mastercard® once again has a $500 welcome bonus. This is a card with no annual fee and free employee cards. It also has good earning categories for businesses such as 3% at gas stations, office supply store and more. Then there’s a 25% annual bonus that increases these rates even further. Let’s see the details of the bonus and the card itself.

List of Best Credit Card Bonuses


Earn a one-time $500 cash back will be awarded if eligible Net Purchases totaling $3,000 or more are made to the Account Owner’s Card within 90 days from account opening. The Account Owner’s Card is the card assigned to the initial applicant of the account and would not include cards used by authorized employees.

No annual fee.

Card Benefits

  • Earn 3% Cash Back at:
    • Gas station
    • Office supply store
    • Cell phone/service provider
  • 1% cash back on all other eligible net purchases.
  • 25% Annual Bonus Based on your prior year’s Cash Rewards, up to $250.
  • No Expiration on cash back or limits on the total rewards you can earn.
  • 0% intro APR on purchases and balance transfers for the first 12 billing cycles. After that, variable APR applies.

Applying for the Card

Application Page (no longer available)

US Bank does NOT report business credit cards to personal credit bureaus, so that should help those trying to stay under 5/24.

You usually need to have a relationship with US Bank in order to get approved. That means having a bank account, or maybe another US Bank credit card.

Guru’s Wrap-Up

This is a good cash bonus for a business credit card. The spending requirement is now lower than the last time this bonus was offered. For the first 12 month you also get a 0% intro APR for purchases and balance transfers.

This is a good card to have long term since it has no annual fee and earns a good rate in some categories. There is also a 25% bonus based on the prior year’s Cash Rewards, but limited to a total of $250. That means that you can earn 3.75% (for the 3% categories) on up to $33,333 spend every year. Cash Rewards may be redeemed as a statement credit, U.S. Bank Rewards Card, or deposited to your U.S. Bank business checking, savings or money market account. Just beware that statement credit will not satisfy the minimum payment requirement.

HT: dunkirk0

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