US Bank FlexPerks Business Travel Rewards Credit Card Review: Unique Spending Categories and Perks Make This Card Worth a Second Look
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INSIDER SECRET: Whenever you redeem your FlexPoints for an award flight, you will get a $25 credit to use toward baggage fees or in-flight food and beverage.
If you’re in the market for a new business credit card, the U.S. Bank FlexPerks® Business Travel Rewards Credit Card is worth considering. It comes with a solid sign-up bonus, good spending categories, unique benefits and a low annual fee.
Right now, you can earn 25,000 FlexPoints after you spend $2,000 on purchases within the first four months of opening your account. Those points can be worth up to $375 toward travel, including airfare, hotels and car rentals. You can also use the points for merchandise, gift certificates, statement credits and more — but the points are not as valuable that way.
You’ll be able to earn bonus points for purchases at office supply stores, airlines, or gas stations (whichever you spend the most on in each monthly billing cycle), in addition to cellular phone charges and qualifying charitable donations.
Here’s our full US Bank FlexPerks Business Travel Rewards credit card review.
US Bank FlexPerks Business Travel Rewards Credit Card Review
With the US Bank FlexPerks Business Travel Rewards Card, you’ll earn 25,000 FlexPoints after you spend $2,000 on purchases within the first four months of opening your account. FlexPoints are worth 1.5 cents each when you redeem them for travel purchases like airfare, hotel stays and rental cars, so this bonus is worth $375 in travel.
You can also redeem your FlexPoints for merchandise, gift cards and statement credits, but they’re worth 1 cent each when you redeem this way.
How to Earn Points With the US Bank FlexPerks Business Travel Rewards Credit Card
As a small business owner, it’s a good idea to make sure your credit card offers good rewards for your business expenses. The US Bank FlexPerks Business Card offers bonus spending categories that are a good fit for many businesses. Here’s what you’ll get with your FlexPerks Business Card:
- 2 FlexPoints for every dollar spent at gas stations, office supply stores, or with airlines — whichever category you spend the most on each monthly billing statement
- 2 FlexPoints for every dollar spent with cellular providers and eligible charities
- 1 FlexPoint for every dollar spent everywhere else
How to Use US Bank FlexPerks Points
US Bank FlexPoints are worth 1.5 cents each when redeemed for travel, including purchases made directly with airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines. You can redeem points for travel through the US Bank travel center or by phone.
US Bank also has a program called Real-Time Mobile Rewards, which allows you to instantly redeem FlexPoints as a statement credit. To redeem for hotels, the minimum purchase amount is $500, and for car rentals, the minimum purchase amount is $250.
You can also redeem your FlexPoints for merchandise, gift cards and statement credits, but you’ll get 1 cent per point in value from these redemptions.
That means that if you always use your points for travel, you will be earning 3% back on purchases at gas stations, office supply stores, or airlines, and with cellular providers and charities and 1.5% back on all other purchases.
US Bank FlexPerks Business Travel Rewards Credit Card Benefits
$25 Airline Allowance
You can be reimbursed up to $25 per round-trip airline travel award ticket toward incidentals like baggage fees or inflight food and drinks. There are a few restrictions:
- You must redeem a minimum of 10,000 FlexPoints per round-trip airline award ticket in order to be eligible for the $25 airline allowance
- You may be credited up to $25 on a future statement for qualified purchases made using your card with the airline providing the award travel flight
- You’re only eligible for the $25 airline allowance if you redeem points through the US Bank travel center or by phone (not via Real-Time Mobile Rewards)
Annual Fee Waiver
If you spend at least $24,000 on your card within your 12-month annual statement year, you will receive a credit for your $55 annual fee back to your account.
Car Rental Discounts
When you are renting with National, Enterprise, or Alamo in the US or Canada, you’ll get access to various money-saving benefits like free upgrades and discounted rates.
Is the US Bank FlexPerks Business Travel Rewards Credit Card Worth the Annual Fee?
The US Bank FlexPerks Business Travel Rewards Card has a $55 annual fee that is waived the first year. If you want to add additional employee cards to your account, each additional card has a $10 annual fee.
Since the annual fee is waived for the first year, you can always get this card and test out whether or not you use the benefits enough to justify paying the annual fee in future years Additionally, the first year you’ll earn the 25,000 FlexPoint welcome bonus, which is worth far more than the annual fee.
After the first year, the FlexPerks Business Travel Rewards Card won’t make sense for everyone. It does offer decent bonus spending categories, but unfortunately, you only get one of gas stations, airlines, and office supply stores each month, not all three. It is nice that US Bank automatically chooses the category where you spent the most money, but it would be even better if it was an “and” instead of an “or.”
One of the best and most unique benefits of the card applies when you redeem your points. Whenever you redeem your FlexPoints for an award flight, you’ll be offered up to $25 in statement credits to cover incidentals like baggage fees or inflight food and beverage. No other credit card offers anything quite like this!
Does the US Bank FlexPerks Business Travel Rewards Credit Card Charge Foreign Transaction Fees?
Who Is Eligible for the US Bank FlexPerks Business Travel Rewards Credit Card?
In order to get a business credit card from US Bank, you will need to have a for-profit business. But luckily, it’s easier to qualify for a business credit card than you might think. If you sell things on eBay, rent a spare room on Airbnb, or provide childcare for pay, you could be eligible for a business credit card.
US Bank doesn’t have published strict application rules like some other banks, but it is sometimes difficult to get approved for US Bank cards if you don’t have a prior relationship with them. And yes, this is a chicken-or-the-egg problem. If you’re set on getting a US Bank card but are having trouble getting approved, you may want to consider opening a checking account with US Bank.
Customer Support for the US Bank FlexPerks Business Travel Rewards Credit Card
US Bank customer support is available 24/7. So if you ever have an issue with your card, you can always call them and speak with a live person.
US Bank customer support tends to be pretty easy and friendly to work with.
Similar Cards to the US Bank FlexPerks Business Travel Rewards Credit Card
If you’re thinking about getting a business credit card, you might want to consider a few others before you apply for the US Bank FlexPerks Business Travel Rewards Card. Here are a few of our favorite business credit cards:
- Ink Business Preferred℠ Credit Card — 80,000 Chase Ultimate Rewards point welcome bonus after spending $5,000 in purchases within the first three months. Earn 3 Chase Ultimate Rewards points for every dollar you spend on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines (up to a maximum of $150,000 in combined purchases per account anniversary year) and 1 Chase Ultimate Rewards point per dollar on all other purchases. $95 annual fee.
- Ink Business Unlimited℠ Credit Card — 50,000 Chase Ultimate Rewards point welcome bonus after spending $3,000 in purchases within the first three months. Earn 1.5 Chase Ultimate Rewards points for every dollar you spend on all purchases. No annual fee.
The US Bank FlexPerks Business Travel Rewards card has some unique features, including a $25 airline incidental reimbursement on award tickets and offering bonus points for spending with charities. Depending on the nature of your business, these perks could be very beneficial.
Other than that, this card offers a reasonable $55 annual fee (waived for the first year), which can be waived with $24,000 in spending during your card member year, and has other solid points-earning categories. It is definitely a card worth considering for your business!
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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! :)