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Who is US Bank Club Carlson Business Rewards Visa Designed For?

US Bank Club Carlson Business Rewards Visa is a credit card designed for business owners with good and excellent credit (above 660) who want to earn free hotel stays and upgrades at Carlson Club properties with their purchases. Carlson Club properties are all over the world and include hotel chains such as Radisson Blu, Park Plaza and Country Inns and Suites by Carlson.

What are the Rates for US Bank Club Carlson Business Rewards Visa?

- US Bank Club Carlson Business Rewards Visa' rates for purchases and balance transfers range from 13.99% APR to 22.99% APR depending on the credit history of cardholders. These aren't particularly low rates and the card does not offer a 0% APR intro rate, so this is probably not a card for businesses who carry or plan to carry a balance. Cash advances have a 23.99% APR and there is a 28.99% APR penalty rate when cardholders are late on their payments that will continue in place until the cardholder makes 6 consecutive payments on time.

What Are the Fees for US Bank Club Carlson Business Rewards Visa Credit Card?

- The US Bank Club Carlson Business Rewards Visa has a $60 annual fee. Nobody likes to pay annual fees, but the benefits and signup bonus that come with this card more than justify it. The card also includes a 3% balance transfer fee ($5 minimum) and a 2% fee on foreign transactions in dollars, which goes up to 3% when the foreign transaction is also in a foreign currency. Cash advances have a 4% fee ($10 minimum). Late payments incur a $19 to $39 fee (depending on the size of the balance), returned payments trigger a $39 fee; and if you go over your credit limit, you get hit with a $39 over limit fee.

What Is US Bank Club Carlson Business Rewards Visa's Rewards Program Like?

US Bank's Club Carlson Business Visa Card rewards program is extremely generous with its bonus rates so earning points is fast and easy. The card's rewards program gives cardholders 10 points for every dollar spent at Carlson Rezidor hotels and 5 points for every dollar you spend on other purchases. Points can only be redeemed for hotel nights, which is a disadvantage compared to regular travel rewards cards, but the value is still excellent if you're a fan of Carlson hotels. Hotels are divided into six categories. A standard room at a category 1 hotel is worth 9,000 points while a category 6 hotel night is priced at 50,000.

What about US Bank Club Carlson Business Rewards Visa's Signup Bonus?

US Bank Club Carlson Business Rewards Visa gives new members 50,000 gold points after they make their first purchase, plus 35,000 points when they spend $2,500 within the first 90 days. That is a total of 85,000 points: enough to buy you 9 nights (plus bonus free nights) at a category 1 hotel. Customers also receive 40,000 renewal bonus points every year they renew their card.

Does US Bank Club Carlson Business Rewards Visa Have Any Other Benefits?

US Bank Club Carlson Business Rewards Visa members automatically receive Gold Elite Status, which gives them free internet, breakfast, early check-in and late checkout. Members also receive 15 qualifying nights toward obtaining or maintaining their Concierge Elite status

The US Bank Club Carlson Business Rewards Visa also includes zero fraud liability protection, travel and emergency assistance services, travel accident insurance and roadside dispatch.

How Is US Bank Club Carlson Business Rewards Visa Better Than Other Credit Cards?

The US Bank Club Carlson Business Rewards Visa is one of the best hotel loyalty business credit card available. It has a $60 annual fee, but that is a great investment for business owners who have employees that travel frequently. The signup bonus and annual loyalty bonus alone cover the fee, and the 10x and 5x bonus rates make it easy to earn reward points fast.

  • Card Type
    Rewards
  • Customer Type
  • Card Network
    Visa
  • Minimum Age
    18
  • Annual Fee
    $60
  • Grace Period / Deferred Interest
    24
  • Late Payment Penalty
    $19
  • Minimum Interest Charge
    $2
  • Over-Limit Fee
    $39
  • Returned Payment Fee
    $39
  • Foreign Currency Transaction Fee
    3%
  • Car Rental Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Insurance
  • Points
  • Purchases APR
    Starting at 13.99%
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This is a great card if you or your employees travel for business and stay in any of the Carlson branded properties (Radisson Blu, Park Plaza and Country Inns and Suites by Carlson). The interest rates are decent, but not great for carrying balances on large purchases. There is an annual fee, but the perks more than make up for it.


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