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Updated March 10, 2015

US Bank Business Credit Card: Cash Back Review

Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
This article contains references to products from our partners. We receive compensation if you apply through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

Earn rewards on purchases in common business categories such as cellular, gas, and at office supply stores with the U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®.

Overall Score

3.8

Rewards

4.0

Interest Rates

4.0

Fees

3.5

Benefits

3.5
5-point scale (the higher, the better)

Pros and Cons

  • 3% cash back on cellular, gas and purchases at office supply stores
  • Annual bonus
  • Foreign transaction fee

Bottom Line

Good cash back rewards credit card for small business owners

Cash Back Program

Every time you buy something on the U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®, you earn cash rewards. You earn 3% cash back on all cellular, gas and office supply store net purchases. You earn 1% cash back on all other net purchases. Net purchases are purchases minus credits and returns.

Once you earn at least $25 in rewards, you can redeem the cash back reward as a credit against your account balance.

0% Introductory APR on New Purchases

When you first sign up for this card, you receive a 0% introductory APR on purchases for the first 9 billing cycles. Then after, the APR will be a variable rate, currently 12.99% - 23.99% depending on your creditworthiness.

Anniversary Bonus

This card offers an anniversary bonus. Each year, following the anniversary date of your card, you receive a 25% Annual Cash Rewards bonus of your prior year’s cash back (up to $250). If you earned $1,000 in cash back rewards the past year, you would receive a bonus $250 as your anniversary bonus.

Annual Fee

This card has no annual fee.

Pros

  • Earns 3% cash back on all cellular, gas and office supply store net purchases. 1% cash back on all other net purchases
  • Get a 25% Annual Cash Rewards bonus, up to $250
  • Introductory APR on purchases for 9 billing cycles.
  • No annual fee

Cons

  • Foreign transaction fee

Bottom Line

With good cash back rates, the US Bank Edge Business Rewards Cash Card is a nice choice for small business owners. The anniversary cash back program is a nice bonus.

David R is a contributing writer at CreditDonkey, a credit card comparison and financial education website. Write to David R at davidr@creditdonkey.com. Our data-driven analysis has been recognized by major news outlets across the country and has helped consumers make savvy financial and lifestyle decisions. (read more)

Editorial Note: This content is not provided by U.S. Bank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by U.S. Bank.

Disclaimer: This content was first published on December 14, 2012. This content may have been updated on March 10, 2015. Information including APR, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check U.S. Bank website for updated information.

Disclaimer: The information for the U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

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CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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