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The U.S. Bank Business Cash Rewards World Elite Mastercard has an offer for up to $500 in additional cash back by receiving 3% cash back on all eligible purchases in the first 180 days of account opening. Compare this offer with other card bonuses.
If you’re looking for a no-frills cash back option for your company, the U.S. Bank Business Cash Rewards card could be a good fit. Besides a solid welcome bonus, the card features 3% cash back on common business purchases like gas station, office supply store and cell phone/service provider purchases. There’s also a nice 25% bonus on cash rewards earned at the end of each membership year.
But if you’re looking for more value-added benefits, then you should consider premium business credit cards instead.
If you think your spending in those business categories may not exceed $25,000 a year, the Ink Business Cash® Credit Card from Chase earns a higher 5% in very similar categories.
*U.S. Bank also offers great sign-up bonuses for its Checking/Savings accounts.
INK BUSINESS CASH® CREDIT CARD
The Ink Business Cash® Credit Card from Chase has an offer for $900 bonus cash back (90,000 Ultimate Rewards points) when you spend $6,000 on purchases in the first 3 months after account opening. This card has no annual fee.
This card earns 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. It also earns 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each anniversary year. All other purchases earn an unlimited 1% cash back.
You can redeem your rewards for cash back, gift cards, travel and more.
The Ink Business Cash® Credit Card earns Chase Ultimate Rewards. This allows for more redemption possibilities when paired with other Chase Ultimate Rewards cards (e.g. Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, Ink Business Preferred® Credit Card). Pair it with one of these cards, use the available transfer partners, and 75k Ultimate Rewards points can be worth up to $1,500 in value.
U.S. Bank Business Cash Rewards Card $500 Bonus Offer
Take advantage of the U.S. Bank Business Cash Rewards card’s $500 bonus cash introductory offer. To qualify, charge at least $4,500 in eligible net purchases within the first 150 days of opening your account (ways to meet this spending requirement).
*Compare all top card bonuses here.
Here are some ideas on meeting the spending requirement.
Redeeming U.S. Bank Business Cash Rewards
Once you’ve reached a minimum of $25 in rewards, you can redeem for:
- U.S. Bank account deposits
- Statement credits
- Gift cards
Redemptions are in $25 increments. There’s no limit to how much cash back you can earn. Plus your rewards won’t ever expire as long as your account remains open, active and in good standing.
U.S. Bank Business Cash Rewards Card Extra Perks
Each membership year, get a 25% bonus on cash back earned during the previous year. That means if you earned $100 cash back in one year, you’d get a $25 bonus. So your total annual cash back earnings would be $125.
This perk is limited to $250 in annual cash back bonus.
U.S. Bank rewards you for taking payments on top of the rewards you earn for making purchases. Earn cash back on net payment processing volume – up to $2,880 cash back annually.
Simply register for Encore Relationship Rewards. It’s free and easy.
Bottom Line
If you’re a business owner looking for a low-cost option that offers simple rewards, the U.S. Bank Business Cash Rewards World Elite Mastercard might be a good fit. You’ll get unlimited cash back on common business expenses, a decent introductory offer and a sweet 25% bonus at the end of your membership year.
It’s definitely not the card with the highest earning potential. Nor does it offer a lot of value-added perks. For these features, you’ll need to look into premium business rewards cards.
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