U.S. Bank Business Cash Rewards

This card is built for small businesses that spend regularly on gas, office supplies, and phone or telecom bills. It works best as a straightforward cash-back card for everyday operating expenses, especially if you want business rewards without paying an annual fee.

Welcome Offer

$500

Annual Fee

Rec. Credit Score

Good

Good For

Everyday business expenses

How to Apply Estimate your value

All information about U.S. Bank Business Cash Rewards has been collected independently by MaxRewards. U.S. Bank Business Cash Rewards is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the U.S. Bank Business Cash Rewards worth it?

This card is great for...

Gas purchases

Office supply spending

Phone and telecom bills

Yes, for the right business. If a meaningful share of your monthly spending goes toward gas, office supplies, and telecommunications, the U.S. Bank Business Cash Rewards can be an easy low-maintenance keeper card. The $0 annual fee means you do not need extra perks or credits to justify carrying it, and the welcome offer is solid for a no-fee business card.

The tradeoff is that this is not a broad business spending card. Outside its 3% categories, you earn just 1%, so businesses with bigger budgets in advertising, travel, shipping, dining, or general purchases may want a different primary card. This one makes the most sense for businesses with predictable operating costs in its bonus categories, or as a category card alongside a stronger flat-rate option.

MaxRewards Verdict

A good fit for small businesses with steady spending on gas, office supplies, and telecom bills. If most of your expenses fall outside those categories, the rewards are too narrow for this to be your only business card.

Welcome Offer

$500

after you spend $3,000 on purchases on your new card in your first 3 months of card membership.

Est. Value

$500

Required Spend

$3,000

Time Frame

3 Months

Est. Value

$500

Required Spend

$3,000

Time Frame

3 Months

Earning

Rewards

This card keeps things simple with cash back and a small set of business-friendly bonus categories. The real question is how much of your regular spending lands in those 3% areas, because that will determine whether this card earns a place in your wallet.

CategoryRate

Gas

Office Supply

Telecommunication

Everywhere

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

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