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20,000
Points as welcome offer
Up to 3x
Points
$0
Annual fee
0%
Intro purchase APR
for the first 9 billing cycles (then 16.74% to 21.74% variable)
Annual fee | $0 |
---|---|
Welcome offer | 20,000 points after spending $1,000 in eligible purchases in the first 90 days |
Rewards | 3x points in a chosen category and 1x points on all other purchases |
Purchase APR | 0% intro for the first 9 billing cycles (then 16.74% to 21.74% variable) |
Balance transfer APR | 11.99% to 22.99% variable |
Minimum Credit Score | 740 |
Issuer | Visa |
Review by
Megan Horner is the banking and credit cards Group Publisher at Finder. She's passionate about helping you find the best credit cards and bank accounts to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country. Before working at Finder, Megan worked at Credit Karma and QuinStreet.
If you like flexibility and a card tailored to your business’s needs, U.S. Bank Business Select Rewards is worth considering. It offers 3x points on purchases in the available category of your choice, a 20,000-point signup bonus, a $0 annual fee and a 0% intro purchase APR for your first 9 billing cycles.
As its name suggests, you select a rewards category that’s most attractive to your business, earning accelerated points in that category in addition to a flat rate on all purchases. This offers a great amount of flexibility to spend in the areas your business needs most. Plus, you’ll enjoy free employee cards and protections against fraud.
Owners of large businesses or big spenders, might want to compare cards with higher value on greater spending. But for small or growing businesses, the U.S. Bank Business Select Rewards‘s flexibility and business perks could make for a great choice.
Generally, business rewards cards require a good to excellent credit score. You’ll have a better chance of approval with an excellent credit score of 740 or higher.
The U.S. Bank Business Select Rewards offers three categories to match your business’s needs:
To apply for a U.S. Bank Business Select Rewards, you must be a US citizen who’s at least 18 years old or age of majority in your state. To open a credit card, you must also live in a state where a U.S. Bank is located.
This card may be best for business owners looking to earn easy rewards on everyday purchases without having to pay an annual fee.
It’s unusual for business rewards cards to offer points for car washes and repairs, which might help if your business supports a fleet of vehicles.
Of the 302 customer reviews with the Better Business Bureau as of this writing, an overwhelming 98% are negative. But few directly relate to U.S. Bank’s credit card products. Those that do cite unexpected credit limit decreases, confusion over payment deadlines and poor customer service.
Although accredited with the Better Business Bureau, U.S. Bank earns an A+ from the BBB as of September 2021 based on its years in business and responsiveness to customers, among other internal criteria.
If you’re a small business owner looking for a rewards card with no annual fee, take a look at U.S. Bank Business Select Rewards. It’s not the strongest rewards card out there, but you can choose from among three categories of spending to earn 3x points on your purchases, including an automotive category that includes gas, dealerships, car washes and more.
You’ll also earn a bonus 20,000 miles by spending $1,000 — an easily attainable goal.
But if you don’t think this card fits in your business financial situation, compare other business credit cards until you find the right card.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.
Images: usbankedge.com