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US Bank Business Edge Select Rewards

in Business Credit Cards

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US Bank Business Edge Select Rewards

Unaffiliated

in Business Credit Cards

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Overview

Who is US Bank Business Edge Select Rewards Designed For?

US Bank Business Edge Select Rewards is a great card for business owners want a no-annual fee rewards card with a high rewards rate and low rates. The card is particularly good for businesses that spend a lot on either day-to-day office expenses, automotive expenses or travel and entertainment expenses, as they can earn 3 points per dollar on any one of those categories. The card has a 0% APR intro rate on purchases, which also makes it a good option for companies who are looking to make large purchases and are planning to carry a balance over a series of months.

What are the Rates for US Bank Business Edge Select Rewards?

- US Bank Business Edge Select Rewards 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. New cardholders receive a 9-month 0% APR intro rate. Cash advances have a 24.49% APR and there is a 28.99% penalty rate on new transactions when cardholders are late on their payments.

What Are the Fees for US Bank Business Edge Select Rewards?

- US Bank Business Edge Select Rewards does not have an annual fee, which is rare for a card with high reward rates and a sign-up bonus.

- There is a 3% fee on foreign transactions and balance transfers ($5 minimum on balance transfers). Foreign transactions performed in dollars have a 2% fee. Cash advances have a 3% to 4% fee, depending on the withdrawal method you use. Late payments have 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 The Rewards Program Like For US Bank Business Edge Select Rewards?

US Bank Business Edge Select Rewards members get three points per every $1 they spend on one category of their choice: day-to-day expenses, automotive expenses, and travel and entertainment expenses. Notice cardholders can only choose one of these categories and must decide when applying for the card. All other purchases earn one point per dollar.

There are no caps or limits on the amount of points members can earn and these can be redeemed for gift cards, merchandise, travel or even statement credits.

What about the US Bank Business Edge Select Rewards Signup Bonus?

US Bank Business Edge Select Rewards gives new cardholders 10,000 bonus points once they spend $500 in purchases within the first 90 days of opening the account.

Does US Bank Business Edge Select Rewards Have Any Other Benefits?

US Bank Business Edge Select Rewards doesn't offer much in the way of benefits and perks. Apart from regular account tools, such as online banking and free online spending reports, this card doesn't give members much except access to 15% savings on purchases through participating merchants of Visa's SavingsEdge program.

How Is US Bank Business Edge Select Rewards Better Than Other Credit Cards?

US Bank Business Edge Select Rewards has no annual fee but yet manages to offer a modest signup bonus, relatively low rates and 3x reward points for every dollar in one of three broad business expenses categories. Although it is very light on benefits and rewards, it is a good option as a secondary card for businesses that regularly make substantial purchases within one of its bonus categories.

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Feature Breakdown

Annual Fee
$0
Grace Period / Deferred Interest (Months)
24
No Annual Fee
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
Card Type
  • Rewards
  • Zero Percent
Card Network
  • Visa
Fraud Liability
Rewards Categories
  • Airfare
  • Every Purchase
  • Gas
  • Hotels
  • Internet / Cable / Phone
  • Office Supplies
  • Restaurants
Bonus Rewards
3x
Every Purchase
1x
Purchases APR (variable)
12.24% - 18.24%
10% 25%
Penalty APR
28.99%
Introductory Rate
0%
Balance Transfer APR (variable)
12.24% - 18.24%
10% 22%
Transfer Fee
3% ($5 minimum)

Reviews

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Reviews

Purchases APR (variable)

Balance Transfer APR (variable)

Annual Fee

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1
 
1 total votes
Purchases APR (variable) 10.24% - 18.24% 10% 25%
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Credit Score Range N/A Credit Score Range
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1
1
 
2 total votes
Purchases APR (variable) 12.24% - 18.24% 10% 25%
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Annual Fee $0 Annual Fee
Credit Score Range N/A Credit Score Range
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Credit Score Range N/A Credit Score Range
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1
1 total votes
Purchases APR (variable) 10.24% - 18.24% 10% 25%
Balance Transfer APR (variable) 10.24% - 18.24% 10% 22%
Annual Fee $0 Annual Fee
Credit Score Range N/A Credit Score Range
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1
 
1 total votes
Purchases APR (variable) 12.24% - 18.24% 10% 25%
Balance Transfer APR (variable) 12.24% - 18.24% 10% 22%
Annual Fee $0 Annual Fee
Credit Score Range N/A Credit Score Range
US Bank FlexPerks Business Edge Travel Rewards

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1
1 total votes
Purchases APR (variable) 12.24% - 18.24% 10% 25%
Balance Transfer APR (variable) 12.24% - 18.24% 10% 22%
Annual Fee $55 Annual Fee
Credit Score Range N/A Credit Score Range
US Bank FlexPerks Business Edge Travel Rewards

US Bank FlexPerks Business Edge Travel Rewards

 
 
3
3 total votes
Purchases APR (variable) 12.24% - 18.24% 10% 25%
Balance Transfer APR (variable) 12.24% - 18.24% 10% 22%
Annual Fee $55 Annual Fee
Credit Score Range N/A Credit Score Range