US Bank Business Credit Card: Travel Review
Read more about U.S. Bank FlexPerks® Business Travel Rewards Visa® Card
With an introductory 20,000 bonus FlexPoints after $3,500 in net purchases within the first 4 months, the U.S. Bank FlexPerks Business Travel Rewards Visa Card can help cut down on business and travel expense. Redeem reward points toward award travel - starting at 20,000 FlexPoints (up to $400 ticket value) on over 150 airlines with no blackout dates.
Pros and Cons
Good business travel credit card for frequent domestic travelers
Every time you make a purchase with the US Bank FlexPerks Business Travel Rewards Card, you earn FlexPoints. You earn 1 FlexPoint for every $1 you spend on most purchases and there is no annual limit to the number of points you can earn each year. You can also earn more points for spending in certain categories. You earn 2 points for every $1 spent on cell phone expenses and 3 points for every $1 spent on charitable donations.
There is also a flexible bonus category for other business expenses. At the end of each monthly billing cycle, US Bank will assess whether you spent the most money on gas, office supplies, or airfare. The category that had the most purchases for the billing cycle gets a 2 point per $1 rewards rate. This changes each billing cycle to help you earn the most rewards points.
When your business earns enough points, you can swap them for award flights on over 150 airlines. You need to redeem at least 20,000 points to get a award flight for a ticket worth up to $400. The program maxes out at 50,000 points, which gets a ticket worth up to $1,000.
The US Bank FlexPerks Business Travel Rewards Card offers a few nice perks to welcome new members.
If you spend at least $3,500 on your card during the first 4 months, you receive a bonus 20,000 FlexPoints, just enough for award travel (award travel starts at just 20,000 FlexPoints for up to a $400 ticket value).
This card also has a 0% introductory APR for 12 month on purchases and balance transfers. After that, the APR will be a variable rate, currently 11.99% - 17.99% depending on your creditworthiness.
Lastly, this card waives its annual fee for the first year. Every year after that, it costs $55, unless you spend $24,000 on the card annually.
On top of the rewards program, this card offers a few additional benefits to its cardholders.
If you refer someone else to this program and he or she signs up for a card, you automatically receive an extra 5,000 FlexPoints.
This card also gives you a way to avoid the annual fee. If your company spends at least $24,000 on the card throughout the year, US Bank waives the annual fee for the upcoming year.
Lastly, when you redeem your FlexPoints for an award flight, you get a $25 allowance for flight expenses like checked bag fees and in-flight refreshments.
For small businesses with frequent travelers, this is a great card to help reduce flight expenses. The card is a good choice for small business owners who plan to spend at least $2,000 a month on their credit card. International travelers should keep in mind the 3% foreign transaction fee.
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. This site may be compensated through the Advertiser's affiliate programs.
Disclaimer: This content was first published on February 15, 2013. This content may have been updated on February 16, 2014. 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.
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