HighlightsCredit Card Feature
Things We LikeSigning bonus of $150
Our Least Favorite Earn at least $25 in cash back rewards to redeem
Our Verdict Great card for 3% cash back on gas, cellular and office supplies

  • Our Rating:
  • 4.30/5
  • Your Rating:
Rate This Card

U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® is a business credit card that offers cash rewards and benefits for business owners who want to save on their day-to-day business expenses. This Mastercard, issued by US Bank (USB), offers a rewarding cash back program as well as a generous 0% introductory APR period for purchases. If you are a business owner, read on to find out if U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® is any good, and how it can be an asset to your business.

Things We Like About U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

Earn $150 as a new cardmember bonus after you spend $500 in net purchases on your card within the first 90 days. This bonus is easy to earn since you only have to spend about $167 each month for the first 90 days in order to earn the $150.

No annual fee. Enjoy the benefits of this card for no annual fee.

Earn 3% cash back on gas, cellular and office supply store purchases. This is ideal for business owners as you'll be able to save on your regular business expenses. You earn these point for net purchases, which are purchases minus returns and credits.

Earn 1% cash back on everything else you buy. Every other eligible net purchase you make with your card will reward you with 1% cash back.

Rewards don't expire and there's no cap to the amount you can earn. You can earn unlimited cash back, which you can save up until you want to use it. As soon as you have accumulated $25 in cash rewards, you can simply log in to US Bank Internet Banking and select "Rewards Center" to redeem it as a direct deposit into your US Bank deposit account (either checking, savings or money market), a US Bank Rewards Card or a statement credit.

Receive 25% of the cash back you earned throughout the previous year, up to a maximum of $250, each year on your account anniversary. This is an anniversary bonus which you will receive each year on your account anniversary date - an added incentive for you to keep renewing your card!

Enjoy 0% introductory APR on qualifying purchases for the first 9 billing cycles. You'll enjoy a 9 billing cycle introductory interest-free period to pay off your big-ticket purchases. After this your purchase interest rate will be 12.74% - 18.74% variable APR based on your creditworthiness.


Our Least Favorite Things About U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

You must have accumulated $25 in cash back rewards before you can redeem it. This is a minimal inconvenience however, since with business expenses and purchases piling up, it won't be hard for you to accumulate this amount of cash back.

No intro APR period for balance transfers. This card doesn't have an introductory low APR for balance transfers, so if you have to transfer a balance you will have the regular 12.74% - 18.74% variable APR.

U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® is a good business credit card for people who spend a lot of money on gas, cellular and office supply purchases so they will earn 3% cash back for eligible net purchases in each of these categories. I also recommend this card to business owners who must make big-ticket purchases within the first few months, as you will enjoy 0% introductory APR on qualifying purchases for the first 9 billing cycles to repay your purchases (12.74% - 18.74% variable APR after).

The US Bank Business Edge Cash Rewards card comes with a signing bonus for new cardmembers and is a good choice if you are looking for a long period of 0% intro APR on purchases.

Click here to go to the US Bank official website to apply online for U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®.