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® combines cash back rewards with a 15-month 0% intro APR offer on both purchases and balance transfers (with a 3% balance transfer fee).

Cardholders will earn an unlimited 3% cash back on gas, cellular and office supply stores, as well as 1% cash back on all other purchases. Plus, you'll earn a $200 bonus after spending $1,000 on purchases in the first 90 days of account opening 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 15 months. This is a great way to save a little money on interest fees and still make those business purchases you need (or want!). Or, if you're paying a high APR rate on a different credit card's balance, you can transfer that balance to the U.S. Bank Business Cash Rewards World Elite MasterCard® and take advantage of its 0% intro APR on balance transfers for 15 months! You will have to pay a 3% balance transfer fee, but that's probably worth it for over a year of no interest!

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

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 and balance transfers, the U.S. Bank Business Cash Rewards World Elite MasterCard® will fit the bill nicely.

Rewards

  • Earn a new cardmember bonus of $200 after you spend $1,000 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), as a statement credit or as a U.S. Bank Rewards Card.
  • If you redeem your cash back as a U.S. Bank Rewards Card, there is a $20 minimum ($5 increments).

Fees and APR
  • Annual Fee: $0*.
  • Purchase APR: 0%* for 15 billing cycles on purchases*, then 14.24% - 25.24%* (Variable).
  • Balance Transfer APR: 0%* for 15 billing cycles on Balance Transfers*, then 14.24% - 25.24%* (Variable).
  • Balance Transfer Fee: 3%.
  • *Additional details can be found on the U.S. Bank landing page.


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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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