Save money and be informed. CreditDonkey is a credit card comparison and financial education website. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you apply or shop through links in our content. Advertiser Disclosure†

Updated February 16, 2014

US Bank Business Credit Card: Travel Review

This article has references or links to products from our partners. We may receive compensation if you apply or shop through links in our content. You support CreditDonkey by using our links (read more).


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.

U.S. Bank FlexPerks Business Travel Rewards Visa Card
Apply for U.S. Bank FlexPerks Business Travel Rewards Visa Card
  • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card
  • Earn two FlexPoints for every $1 spent on gas, office supplies or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints for your charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, after that $55 (+$10 for employees)
  • $0 annual fee the first year and every year after when your company has combined net spend of over $24,000 each year
  • Go to issuer's official application, terms, and details
Introductory Bonus Reward PointsAirline RewardsPoint Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
11.99% - 17.99%* (Variable)
$0 with $24,000 in purchases per year*

Overall Score

3.6

Rewards

4.0

Interest Rates

4.0

Fees

3.0

Benefits

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

Pros and Cons

  • 20,000 bonus points after you spend $3,500 in the first 4 months
  • 0% intro APR for 12 months on purchases and balance transfers
  • Award travel on over 150 airlines
  • $55 annual fee
  • 3% foreign transaction fee

Bottom Line

Good business travel credit card for frequent domestic travelers

Rewards Program

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.

Promotional Offer

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.

Benefits

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.

Pros

  • 20,000 introductory bonus point offer, provided you spend at least $3,500 during the first 4 months
  • 0% introductory APR for first 12 months on purchases and balance transfers
  • $0 intro annual fee for the first year; it's possible to waive the $55 annual fee each year if you spend at least $24,000 on the card
  • Earn bonus rewards points for spending on cell phone expenses, charitable donations and other popular categories
  • Redeem reward points toward award flights on over 150 airlines

Cons

  • $55 annual fee
  • 3% foreign transaction fee

Bottom Line

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.

Next Step: View the issuer's official application, terms, and details

Share this on Facebook or Twitter

Follow @CreditDonkey or write to David R at davidr@creditdonkey.com

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.

More Articles in Reviews

U.S. Bank FlexPerks Business Travel Rewards Visa Card
Apply for U.S. Bank FlexPerks Business Travel Rewards Visa Card
  • Get 20,000 bonus FlexPoints after the first $3,500 in net purchases in the first 4 months
  • Award travel starts at just 20,000 FlexPoints (up to a $400 ticket value) on over 150 airlines with no blackout dates or online redemption fees
  • Earn one FlexPoint for every $1 of eligible net purchases charged to your card
  • Earn two FlexPoints for every $1 spent on gas, office supplies or airline purchases - whichever you spend most on each monthly billing cycle - and on most cell phone expenses
  • Earn Triple FlexPoints for your charitable donations
  • Receive an airline allowance of up to $25 with every award travel ticket to use toward baggage fees, in-flight food or drinks and more
  • $0 intro Annual Fee* the first year, after that $55 (+$10 for employees)
  • $0 annual fee the first year and every year after when your company has combined net spend of over $24,000 each year
  • Go to issuer's official application, terms, and details
Introductory Bonus Reward PointsAirline RewardsPoint Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 12 months
0% for 12 months
11.99% - 17.99%* (Variable)
$0 with $24,000 in purchases per year*

What do you think about US Bank Business Credit Card: Travel Review?

Name (required)
Email (required; won't be published)
Website (optional)

or you can also trackback from your blog.

US Bank Business Card Review

Earn rewards on purchases in common business categories such as cellular, gas, and at office supply stores with the US Bank FlexPerks Business Cash Rewards Card. Provided you make at least one purchase per year on the card, there is no annual fee.
More Articles in Reviews

Learn more about Points Deal, Airline and Points cards:
Points Deal Credit Cards
Introductory Bonus Reward Points Deals

Credit Card Bonus Point Deals

With new card offer rates remaining high, consumers are looking past rates when evaluating credit cards. One feature that is starting to catch more attention in helping to determine which card to choose for the wallet is rewards programs. ...
Airline Credit Cards

Study: Best Airline Rewards Credit Card 2014

The best rewards cards basically pay you back generously to use them. In the case of airline rewards cards, the Barclaycard Arrival Plus World Elite MasterCard does just that, making it our number one choice for travel purchases. Here’s why: The ...
Points Credit Cards
Infographics: Charity 2011

Charitable Giving: Give Back in the Season of Giving

With nearly 1.6 million non-profit organizations, according to the National Center for Charitable Statistics, Americans have difficult decisions to make when they’re feeling charitable this holiday season.






About CreditDonkey®
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.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.