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The U.S. Bank Business Select Rewards card has 20,000 bonus points as an introductory offer. I value these 20k points at around $200. This is just an okay bonus offer compared to other no-annual-fee business cards.
The U.S. Bank Business Select Rewards offers a flexible program with your choice of unlimited triple points on 1 of 3 broad spending categories:
- Day-to-day expenses
- Automotive
- Travel and entertainment.
Another card that lets you choose from similar higher rewards categories is the Bank of America Business Advantage Cash Rewards.
There are other cards that offer more generous perks. If you’re looking for value-added benefits, then check out premium business credit cards instead.
*U.S. Bank also offers great sign-up bonuses for its Checking/Savings accounts.
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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.
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U.S. Bank Business Select Rewards Card 20,000 Bonus Points Offer
Take advantage of the U.S. Bank Business Select Rewards card’s 20,000 bonus points offer. My valuation puts these points at around $200 (more on that below).
To qualify, charge at least $1,000 to your card within the first 3 months of opening your account.
Here are some ideas on meeting the spending requirement.
What Are U.S. Bank Business Select Rewards Points Worth?
Like many other rewards cards, your points’ worth depends on how you use them. On average, each U.S. Bank Business Select Rewards point is worth $0.01. This valuation is neither good nor bad. It’s what you would get for your points, on average, across different rewards cards.
You can use your U.S. Bank Business Select Rewards points for:
- Travel
- Gift cards
- Merchandise
- Statement credits
U.S. Bank Business Select Rewards Card Bonus Categories
Instead of a flat rewards rate or rotating categories, this card lets you choose your bonus category. Earn unlimited 3 points per $1 spent on eligible purchases from one of the following:
- Day-to-day business expenses: shipping, advertising, utilities, office supplies, telecom and professional services
- Automative purchases: gas, service, tires, tolls, dealerships, car washes and repairs
- Travel and entertainment expenses: airlines, car rentals, hotel stays, restaurants and travel agencies
As you can see, each bonus category is broadly defined, so you should be able to rack up points quickly.
For all other purchases, you’ll receive 1 point per $1 spent.
Bottom Line
It’s not the most generous business rewards card out there. But the U.S. Bank Business Select Rewards does give you a pretty good deal considering it comes with no annual fees. You’ll get a modest introductory offer, triple points in 1 of 3 broad business expense categories and standard credit card benefits.
But if you’re looking for more “oomph,” you should consider top-tier business credit cards instead.
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
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