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

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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-billing cycle 0% intro APR offer on both purchases and balance transfers (with a 3% balance transfer fee, $5 minimum).

Cardholders will earn an unlimited 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases, as well as 1% cash back on other eligible net purchases. Plus, you’ll earn a $500 bonus after spending $4,500 on purchases in the first 150 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 billing cycles. 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 billing cycles! You will have to pay a 3% balance transfer fee ($5 minimum), but that’s probably worth it for so much time with no interest!

Additional perks include no annual fee, free employee cards (great for earning additional cash back) and $0 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

  • $500 after you spend $4,500 in eligible net purchases on your card within the first 150 days of account opening
  • No limit on rewards and they never expire!
  • Earn 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases.
  • Earn 1% cash back on other eligible net purchases.
  • Plus, get 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 13.99%-24.99%* (Variable).
  • Balance Transfer APR: 0%* intro on BTs for 15 billing cycles, then 13.99%-24.99%* (Variable).
  • Balance Transfer Fee: Either 3% of the amount of each transfer or $5 minimum, whichever is greater.
  • See Rates and Fees
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