U.S. Bank Business Essentials™ Visa® Card
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- U.S. Bank Business Essentials™ Visa® Card
U.S. Bank Business Essentials™ Visa® Card Review
The U.S. Bank Business Essentials™ Visa® Card is a well-rounded business credit card with everything business owners could want for earning cash back and managing their finances.
Editor
Earn $500 in cash back. Just spend $5,000 on the Account Owner's card in the first 150 days of opening your account.
on U.S. Bank's secure site
- Earn $500 in cash back. Just spend $5,000 on the Account Owner's card in the first 150 days of opening your account.
- Earn unlimited 2% cash back on every purchase and 6% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- 0% intro on purchases for 12 billing cycles, then 16.99% - 27.99% Variable
- $0
- Excellent/Good
Our Expert Review
Why We Like It
Offer Rating
5/ 5
By Our Content Team
If you're a business owner looking for a simple business credit card to earn rewards on purchases and streamline your business finances, the U.S. Bank Business Essentials™ Visa® Card could be the perfect fit for you. For starters, this card comes with a generous welcome offer: Earn $500 in cash back. Just spend $5,000 on the Account Owner's card in the first 150 days of opening your account. The ongoing rewards are pretty lucrative as well: Earn unlimited 2% cash back on every purchase and 6% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card. Plus, earn 2.5% total cash back on your first $10,000 in eligible Net Purchases each month when paired with qualifying balances in a qualified U.S. Bank business checking account.
But the perks don't stop there. You can easily sync with your accounting software to track spend, capture receipts, set card controls and more with U.S. Bank Spend Management – taking the hassle out of managing your business finances. This card also comes with an APR of 0% intro on purchases for 12 billing cycles, 16.99% - 27.99% Variable thereafter. This intro period could be a lifesaver if you want to finance a big purchase for your business, such as a large inventory order. And to top it all off, the U.S. Bank Business Essentials™ Visa® Card has no annual fee for card membership.
Pros & Cons
Pros
- Boost your cash back with a big welcome offer
- Earn at least 2% cash back on every purchase
- Enjoy a lengthy intro APR on purchases
Cons
- There is a foreign transaction fee of 3% of each foreign transaction
- There is also a balance transfer fee: Either 5% of the amount of each transfer or $5 minimum, whichever is greater.
