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Last Updated: 04/18/2025
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US Bank Business Select Rewards
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in Business Credit Cards from U.S. Bank
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
15.99% - 20.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
15.99% - 20.99%(Verified 06/21/2024)
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Annual Fee
$95
Credit Score Range
650 - 850
US Bank Business Select Rewards Review
US Bank Business Select Rewards is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a rewards card issued by U.S. Bank. If you're wondering whether US Bank Business Select Rewards is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 9 months.
- APRs: US Bank Business Select Rewards has a variable regular purchase APR that ranges from 15.99% up to 20.99%.
- $0 intro annual fee for the first year. US Bank Business Select Rewards gives you the chance to have the card for a year without paying the $95 annual fee.
- A 5% balance transfer fee. US Bank Business Select Rewards charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of US Bank business Select Rewards card
| The Good | The Bad |
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What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 15.99% up to 20.99% . The card has a variable balance transfer APR that ranges from 15.99% up to 20.99% .
It also has a variable cash advance APR of 25.99%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
Yes, this business card offers an introductory APR rate on balance transfers of 0%
This business card does offer an introductory APR rate on new purchases of 0% for a period of 9 months.
| Purchase APR | 15.99% - 20.99% |
| Balance Transfer APR | 15.99% - 20.99% |
| Cash Advance APR | 25.99% |
| Penalty APR | 29.99% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $95 .
- A late payment penalty of $39 .
- A returned payment fee of $39.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
| Annual Fee | $95 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 5% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | $39 |
| Late Payment Fee | $39 |
Does it offer a cash back or rewards program?
Yes, US Bank business Select Rewards card offers a rewards program to its customers.
This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | Up to $750 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Cash Back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | Starting at 1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
- Advertising Services
- Airfare
- Car Rentals
- Internet, Cable and Phone Services
- Gas stations
- Hotels
- Office Supply Stores
- Restaurants
- Shipping
- Utilities
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
View US Bank Business Select Rewards's published terms & conditions
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from US Bank business Select Rewards card
Hours of Operation
Sunday
Closed
Monday
8:30AM - 5:30PM
Tuesday
8:30AM - 5:30PM
Wednesday
8:30AM - 5:30PM
Thursday
8:30AM - 5:30PM
Friday
8:30AM - 5:30PM
Saturday
Closed