U.S. Bank Business Cash Rewards World Elite MasterCard® Review

Our Detailed Review of This Card

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The U.S. Bank Business Cash Rewards World Elite MasterCard® marries two great features — cash back rewards and a 9-month 0% APR on purchases.

Cardholders will earn an unlimited 3% cash back on gas, cellular and office supply stores and 1% cash back on all other purchases. Plus, you'll earn a $150 bonus after spending $500 in the first 3 months and a 25% annual bonus based on the previous year's cash rewards (up to $250). That means every year on your account anniversary date you'll get even more cash back! Your rewards never expire and you can redeem them for a statement credit, to a U.S. Bank Rewards Card, or by making a deposit into your U.S. Bank deposit account (note that there is a $25 min redemption amount).

You can also take advantage of a 0% intro APR on purchases for 9 months. This is a great way to save a little money on interest fees and still make those business purchases you need (or want!).

Additional perks include free employee cards (great for earning additional cash back), online reporting, and zero fraud liability. Plus, the card has no annual fee.

If you're in the market for a business card with no annual fee that offers cash back rewards and has a 0% intro APR on purchases, the U.S. Bank Business Cash Rewards World Elite MasterCard® will fit the bill nicely.


  • Earn a new cardmember bonus of $150 after you spend $500 in net purchases on your card within the first 90 days of account opening.
  • No cap on rewards and they never expire!
  • 3% cash back on all cellular, gas and office supply store net purchases.
  • Earn 1% cash back on all other net purchases.
  • Plus, a 25% Annual Cash Rewards bonus, up to $250.

Redeem Rewards
  • Redeem as a deposit into your U.S. Bank deposit account (checking, savings or money market), a U.S. Bank Rewards Card or a statement credit.
  • Minimum redemption is 25 reward dollars.

Fees and APR
  • Annual Fee: $0*
  • Purchase APR: 0%* for 9 billing cycles on purchases*, then 13.99%-24.99%* (Variable)
  • Balance Transfer APR: 13.99%-24.99%* (Variable)
  • Balance Transfer Fee: 3%
  • *Additional details can be found on the U.S. Bank landing page.

Apply for a U.S. Bank Business Cash Rewards World Elite MasterCard®

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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