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U.S. Bank Business Cash Rewards: A Great No-Annual-Fee Card, Especially If You Spend Lots on Gas and Office Supplies

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U.S. Bank Business Cash Rewards: A Great No-Annual-Fee Card, Especially If You Spend Lots on Gas and Office Supplies

Joseph HostetlerU.S. Bank Business Cash Rewards: A Great No-Annual-Fee Card, Especially If You Spend Lots on Gas and Office SuppliesMillion Mile Secrets Team

Signing up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.

No matter how valuable miles & points can be for travel, they’ll never be as useful and versatile as cash money.

That’s where the U.S. Bank Business Cash Rewards World Elite™ MasterCard® comes in.  The very simple small business credit card earns up to 3.75% cash back!  It’s great for anyone who spends a lot at gas stations or on office supplies and cellular services.  And for anyone who wants a decent welcome bonus without an intimidating spending requirement.

You can apply for the US Bank Business Cash here.

No Rewards Are as Flexible as Cold Hard Cash!

Let’s have a look at the US Bank Business Cash and see if it’s a good pick for you!

The US Bank Business Cash Card Sign-Up Bonus Is Worth $200

Apply Here:   U.S. Bank Business Cash Rewards World Elite™ MasterCard®

The US Bank Business Cash Rewards is a straightforward small business cash back card.  No transfer partners and no complicated travel angles to figure out.

You’ll earn a welcome bonus of $200 cash after you spend $1,000 on purchases in the first 90 days of account opening.  Lots of folks may appreciate the flexibility of cash instead of miles & points.  Especially if you’re looking to grow your small business!

One caveat is that you have to complete this spending requirement with the primary card (authorized user spending won’t help you).  That spend shouldn’t be difficult to accomplish though, especially if you’ve got a small business.

How to Earn Cash Back With the US Bank Business Cash

The US Bank Business Cash earns 3% cash back on eligible net purchases at:

  • Cellular services
  • Gas stations
  • Office supply stores

You’ll earn 1% cash back on all other purchases.

Note:   You’ll only earn 3% at gas stations when your transaction is $200 or less.

You’ll also get a 25% bonus on your prior year’s cash back, up to $250.  And the terms don’t seem to exclude the initial $200 welcome bonus you’ll earn when you open the card and meet minimum spending.  So next year, you should get an automatic $50 bonus ($200 welcome bonus X 25% annual bonus)!

And US Bank confirms that each employee card will also earn an individual 25% bonus (with the same limit) on cash back earned the previous year.

How to Redeem Your Cash Back

This card earns cash back, so you can use the rewards for whatever on earth your heart desires!

You can redeem your cash back as a statement credit, U.S. Bank Rewards MasterCard card, or a deposit to your U.S. Bank business checking, savings or money market account.

There’s a minimum $25 redemption amount.

Benefits of the US Bank Business Cash

Annual 25% Bonus

Probably the greatest ongoing benefit of the US Bank Business Cash is its 25% annual bonus on all cash back earned from the previous year.  It means you’ll get effectively 3.75% back on bonus categories (3% X 1.25), and 1.25% back on regular purchases (1% X 1.25) on up to $1,000 in cash back earned each year.

Employee Spending Controls

You can customize your employee business credit cards to control where, when and how your employees use them.  For example, you can:

  • Set controls by time, place, and dollar amount
  • Customize payment due dates
  • Set up account alerts and interest-saving tools
Get Control Over Employee Spending and Set up Account Alerts

Secure Business Purchases

Your business is protected from unauthorized purchases with:

  • Zero fraud liability
  • Chip technology
  • 24/7 fraud monitoring

Easy Way to Track Spending

The US Bank Business Cash card gives you access to a free online tool that provides instant access to reporting that is designed to give you a more clear picture of your credit card spending.

Is the US Bank Business Cash Worth the Annual Fee?

The US Bank Business Cash has NO annual fee.  So you have nothing to lose by opening the card!

Does the US Bank Business Cash Card Have a Foreign Transaction Fee?

Yes.

Who Should Sign-Up for the US Bank Business Cash?

This is a solid no annual fee small business card with NO caps on 3% bonus cash back.

If you think you’ll do a lot of spending in the card’s bonus categories, this could be a great fit for you!  Especially if you find travel miles & points to be a bit of a headache, and prefer hard cash.  Plus, the card has a relatively low minimum spending requirement to earn its $200 bonus.

And because this is a small business card, opening the card won’t hurt your chances of being approved for other more valuable cards later!

Because this is a small business card, you’ll need a for-profit venture to qualify.  But you don’t have to be working full-time at the business to qualify for a small business credit card.  You could have only a part-time side hustle or freelance gig and still be approved!

Credit Cards Similar to the US Bank Business Cash

There are lots of no-annual-fee small business cards to choose from!  If the US Bank Business Cash doesn’t feel like a good fit, here are our top recommendations.

1.   Ink Business Unlimited

Apply Here:   Ink Business Unlimited℠ Credit Card

Read our review of the Chase Ink Business Unlimited  

The no-annual-fee Chase Ink Business Unlimited card is a great option for folks whose business expenses don’t fall into the spending bonus categories other cards have.  Because it earns 1.5% cash back on all purchases with no limit to the amount of rewards you can earn!

And it currently earns a $500 bonus (50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases within the first 3 months of account opening!  That bonus can be worth MUCH more in travel if you have an annual-fee Chase Ultimate Rewards card.  Because then you’ll be able to transfer the points you earn to Chase’s travel partners!

You can read our review of the Ink Business Unlimited here.

2.   Ink Business Cash

Apply Here:   Ink Business Cash℠ Credit Card

Read our review of the Chase Ink Business Cash

With the no-annual-fee Chase Ink Business Cash, you’ll earn a $500 cash bonus (50,000 Chase Ultimate Rewards points) after spending $3,000 on purchases in the first 3 months of account opening.  This is the highest bonus we’ve ever seen on this card!

With the Ink Business Cash Credit Card, you’ll earn:

  • 5% cash back (5X Chase Ultimate Rewards points per $1) on the first $25,000 spent in combined purchases at office supply stores and on phone, internet, and cable TV services each account anniversary year
  • 2% cash back (2X Chase Ultimate Rewards points per $1) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% cash back (1X Chase Ultimate Rewards point per $1) on all other purchases

A little more complicated than the other cards, but potentially much more profitable, too!  And similar to the Ink Business Unlimited, you can get much more value if you have an annual-fee Chase Ultimate Rewards card.  Because you can transfer the points you earn to Chase’s travel partners!

Here’s our review of the Ink Business Cash.

Bottom Line

The U.S. Bank Business Cash Rewards World Elite™ MasterCard® is a good pick for small business owners who prefer the simplicity of cash back and an easy-to-earn welcome bonus.  You can earn a $200 cash back bonus after spending $1,000 on purchases in the first 90 days after account opening.

You’ll also earn 3% cash back on eligible net purchases on cellular services, gas stations, and office supply stores, and 1% cash back on everything else.  Plus you’ll receive a 25% bonus on the cash back you’ve earned (up to $250 bonus) each year.

Another good thing about this card is it won’t show up on your personal credit report!  So it won’t affect your chances of getting approved for other lucrative cards!

You can apply for the US Bank Business Cash here.

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

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

  • Earn a new cardmember bonus of $200 after you spend $1000 in eligible net purchases on your card within the first 90 days of account opening.
  • 0% Intro APR* on purchases and balance transfers for the first 9 billing cycles.
  • 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases
  • 1% cash back on other eligible net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns
Terms Apply | Rates & Fees

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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effective 4/1/2019, employee card /acct no longer receives a $200 bonus; total bonus is now $200 regardless of # of cards

I applied for myself and 5 employees. Met the requirements on each card. Showing only one $200 bonus. Called CS. She said only one cards get the $200. I sent them an email quoting the terms and the explanation posted on MMS. Do I have any recourse?

Hi John, sorry to hear that. I would try calling back and speaking with someone else.

I’ve recently had issues myself with getting banks to honor welcome bonuses on my other accounts (checking and brokerage) and I had to simply be firm and speak to multiple people. It was a few hours of my time, but after pointing out the fine print showing I met all the requirements and arguing it from multiple perspectives, they finally caved and gave it to me as a “goodwill” gesture

Let us know how it turns out.

Also , to get the bonus for an extra Credit Card for employees do you need to add them at the time of the original application or you can add them later on?

Thanks

Author
Joseph Hostetler

Hi Seba! US Bank says you can add the authorized users later. But the representative said they would all be subject to the same minimum spending date.

So for example, if you open the card, you have 3 months to meet your spending requirement. If you add an authorized user a month later, he would only have 2 months to meet that spending.

Hi ,

Great post.

Do you know if when you add authorized extra users do they ask you for they Social Security at the time of fill it out the application or at time of activating that credit card?

Thanks

They absoltuely do require a name with SSN and DoB.