Who is US Bank FlexPerks Business Edge Travel Rewards Designed For?

US Bank FlexPerks Business Edge Travel Rewards is a credit card designed for business owners with good and excellent credit (above 720) who want competitive rates, a low annual fee and a generous travel rewards program.

What are the Rates for US Bank FlexPerks Business Edge Travel Rewards?

- US Bank FlexPerks Business Edge Travel Rewards rates for purchases and balance transfers range from 12.49% APR to 18.49% APR depending on the credit history of cardholders. There is no introductory rate on purchases or balance transfers, so this is probably not the card for business owners who already carry or plan to carry a balance. Cash advances have a 24.49% 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 FlexPerks Business Edge Travel Rewards?

- The US Bank FlexPerks Business Edge Travel Rewards credit card has a $55 annual fee, which is waived the first year. Members also receive a credit for the $55 annual fee if they spend $24,000 a year. There is no foreign transaction fee. Cash advances have a 4% fee ($10 minimum). Late payments incur a $39 fee, returned payments trigger a $35 fee; and if you go over your credit limit, you must pay a $39 overlimit fee.

What Is The Rewards Program Like For US Bank FlexPerks Business Edge Travel Rewards?

US Bank FlexPerks Business Edge Travel Rewards cardholders earn double points on either their airline, gas or office supplies, whichever they spend the most on during a given month. They also get double points on phone expenses and triple FlexPerks on eligible charitable donations. There are no rotating categories and no limit on how many points you can earn. Plus you can share your points with other members of FlexPerks program or combine the points from other accounts, if you own more than one card.

Each point is worth approximately 1.5 cents when you redeem it for travel. The FlexPerks program makes redeeming points for travel easy by giving award tickets for as little as 20,000 FlexPerks (up to a $400 value) with no blackout dates or online redemption fees with over 150 airline carriers. The value of points drops to 1 cent per FlexPoint when you redeem them for cashback, merchandise or gift cards.

What about the US Bank FlexPerks Business Edge Travel Rewards Signup Bonus?

US Bank FlexPerks Business Edge Travel Rewards gives new customers a 20,000-point enrollment bonus when they spend $2,000 in purchases within the first four months of opening the account.

Does US Bank FlexPerks Business Edge Travel Rewards Have Any Other Benefits?

US Bank FlexPerks Business Edge Travel Rewards gives cardholders purchase protection and extended warranty on purchases, and valuable travel benefits. These include lost luggage reimbursement, auto rental collision damage waiver, travel and emergency insurance and assistance services. It also gives a $25 airline allowance with every travel award ticket you redeem you can use toward airline fees and in-flight purchases.

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

US Bank FlexPerks Business Edge Travel Rewards provides a decent business travel rewards program with a low (potentially free) annual fee. The value of points is high compared to other programs, particularly when you redeem for travel. The caveat is you can't transfer these points to other loyalty programs or redeem for a travel expense credit. You have to book travel through FlexPerks internal booking tool. On the other hand, there are no blackout dates and you can earn frequent flier miles on the award tickets you redeem.

The rates are also low for a card with this type of rewards program. All in all, this is a solid business travel credit card for domestic trips, particularly for businesses that spend more than $24,000 a year and can receive a waiver on the $55 annual fee.

  • Minimum Age
  • Customer Type
  • Annual Fee
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • Over-Limit Fee
  • Returned Payment Fee
  • No Annual Fee First Year
  • No Foreign Transaction Fee
  • Card Type
    • Travel
    • Rewards
  • Card Network
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Lost Luggage Insurance
  • Travel Insurance
  • Points
  • Rewards Categories
    • Airfare
    • Car Rentals
    • Every Purchase
    • Gas
    • Hotels
    • Internet / Cable / Phone
    • Office Supplies
    • Restaurants
    • Trains, Cruises, Other Travel
  • Penalty APR
  • Purchases APR (variable)
    12.24% - 18.24%
  • Transfer Fee
    3% ($5 minimum)
  • Balance Transfer APR (variable)
    12.24% - 18.24%
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