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US Bank Business Edge Cash Rewards World Elite Mastercard

in Business Credit Cards

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US Bank Business Edge Cash Rewards World Elite Mastercard

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in Business Credit Cards

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Overview

Who is US Bank Business Edge Cash Rewards World Elite Mastercard Designed For?

US Bank Business Edge Cash Rewards World Elite Mastercard is designed for business owners with good to excellent credit who want to earn cash back rewards on their business expenses without paying an annual fee or outrageous rates. It is a particularly attractive card for business that spend a lot on phones, gas and office supplies. Its 0% APR intro rate on new purchases also make it a good deal for business owners planning to make large purchases.

What are the Rates for US Bank Business Edge Cash Rewards World Elite Mastercard?

- US Bank Business Edge Cash Rewards World Elite Mastercard's rates range from 12.49% APR to 18.49% APR on balance transfers and new purchases depending on the credit history of cardholders. These are low rates for a cash back rewards card with no annual fee. There is also a 9-month 0% APR introductory rate on new purchases, which offers cardholders interest-free access to a business loan. Cash advances have a 24.49% APR and there is a 28.99% APR penalty rate on new transactions when cardholders are late on their payments.

What Are the Fees for US Bank Business Edge Cash Rewards World Elite Mastercard?

- US Bank Business Edge Cash Rewards World Elite Mastercard doesn't have an annual fee. However, it does have a 3% fee on foreign transactions and balance transfers ($5 minimum on balance transfers). It also charges 3% to 4% fee on cash advances, depending on the withdrawal method used. Late payments incur a penalty fee of up to $39, returned payments trigger a $35 fee, and exceeding the accounts credit limit comes with a $39 fee.

What Is US Bank Business Edge Cash Rewards World Elite Mastercard's Rewards Program Like?

US Bank Business Edge Cash Rewards World Elite Mastercard cardholders earn 3% cash back on cellular, gas and office supply store purchases. All other purchases earn a 1% cash back rate. Cardholders receive an additional 25% annual bonus based on their prior year's cash rewards. For instance, if a business owner spends $30,000 in gas, she will earn $900 in cash back plus an extra $225 annual bonus.

What about US Bank Business Edge Cash Rewards World Elite Mastercard's Signup Bonus?

US Bank Business Edge Cash Rewards World Elite Mastercard does not offer a signup bonus at this time.

Does US Bank Business Edge Cash Rewards World Elite Mastercard Have Any Other Benefits?

US Bank Business Edge Cash Rewards World Elite Mastercard doesn't have any of the shopping and travel benefits offered by prime travel and cash back cards. There is no purchase protection, travel insurance or complimentary car rental insurance. It does offer free employee cards, which helps earn cash back points faster, and has a zero fraud liability service included with the card.

How Is US Bank Business Edge Cash Rewards World Elite Mastercard Better Than Other Credit Cards?

US Bank Business Edge Cash Rewards World Elite Mastercard offers a high cash back rate on everyday purchases for a business, such as phones, gas and office supplies. Although the benefits and perks it includes are underwhelming, the $0 annual fee and competitive rates make this card a catch for business owners looking for a simple no-nonsense cash back card that rewards them on the products and services they buy the most.

On the other hand, its 3% fee on foreign transactions and high penalty rates may put off regular travelers and business with cash flow issues.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Feature Breakdown

No Fees
Grace Period for Late Payment (Days)
24
Annual Fee
$0
No Annual Fee
 
List of Fees
Late Payment Penalty
$39
Returned Payment Fee
$35
Over-Limit Fee
$39
Minimum Interest Charge
$2
Foreign Currency Transaction Fee
3%
Minimum Age
18
Customer Type
Business
Fraud Liability
 
Bonus Rewards
3x
Every Purchase
1x
No Reward Expiration Period
 
Rewards Categories
  • Every Purchase
  • Gas
  • Internet / Cable / Phone
  • Office Supplies
Signup Bonus
$200
Annual Loyalty Bonus
$250
Percentage
Purchase APR
(Variable APR)
13.74% - 24.74%
    12% 30%
Percentage
Cash Advance APR
(Variable APR)
Starting at
25.74%
Penalty APR
29.99%
Introductory Rate
0%
Percentage
Balance Transfer APR
(Variable APR)
13.74% - 24.74%
    12% 25%
Introductory Rate
0%

Reviews

 
 

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