Features

Who is US Bank FlexPerks Business Edge Designed For?

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

What are the Interest Rates for US Bank FlexPerks Business Edge?

- US Bank FlexPerks Business Edge' interest rates for purchases and balance transfers range from 11.99% to 17.99% 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 23.99% APR and there is a 28.99% 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 Credit Card?

- The US Bank FlexPerks Business Edge 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. It also has a 2% fee on foreign transactions in dollars and 3% when in a foreign currency (minimum of $5). Cash advances have a 4% fee ($10 minimum). Late payments incur a $19 fee, returned payments trigger a $35 fee; and if you go over your credit limit, you must pay a $39 overlimit fee.

What Is US Bank FlexPerks Business Edge's Rewards Program Like?

US Bank FlexPerks Business Edge cardholders earn double points 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 US Bank FlexPerks Business Edge's Signup Bonus?

US Bank FlexPerks Business Edge gives new customers a 20,000 enrollment bonus when they spend $3,500 in purchases within the first four months of opening the account.

Does US Bank FlexPerks Business Edge Have Any Other Benefits?

US Bank FlexPerks Business Edge 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?

The US Bank FlexPerks Business Edge 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 interest rates are also low for a card with this type of rewards program. However, it carries 3% foreign transaction fee, which is not what you want in a travel rewards credit card. 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.

  • Card Type
    Rewards
  • Customer Type
    Business
  • Card Network
    Visa
  • Minimum Age
    18
  • Grace Period / Deferred Interest
    24
  • Late Payment Penalty
    $19
  • Minimum Interest Charge
    $2
  • Over-Limit Fee
    $39
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    3%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    11.99% - %
js-table-filter bizname-us-bank-business-edge-select-rewards-visa-card
js-table-filter air-miles-136
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter gas-139
js-table-filter points-137
11.99
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Airlines
  • Cashback
  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
070
js-table-filter bizname-us-bank-flexperks-business-edge-rewards-card
js-table-filter air-miles-136
js-table-filter airlines-140
55
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter gas-139
js-table-filter groceries-141
js-table-filter points-137
11.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • Airlines
  • Cashback
  • Gas
  • Groceries
  • Points
  • No Annual Fee First Year
Annual Fee $55
Card Type Rewards
Purchases APR 11.99%
043
js-table-filter bizname-us-bank-flexperks-business-travel-rewards-visa
js-table-filter airlines-140
55
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter points-137
11.99
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Airlines
  • Gas
  • Points
  • Travel
Annual Fee $55
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% – 17.99% var. APR%
030
js-table-filter bizname-us-bank-flexperks-business-select-rewards-visa
25
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
11.99
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Points
Annual Fee $25
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% – 17.99% var. APR%
030
js-table-filter bizname-korean-air-skypass-visa-business-card
js-table-filter air-miles-136
75
js-table-filter ccard-type-137
js-table-filter ccard-type-136
12.99% – 19.99% var. APR
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Air Miles
  • No Foreign Transaction Fee
Annual Fee $75
Card Type Balance Transfer
Card Type Rewards
Purchases APR 12.99% – 19.99% var. APR%
Balance Transfer APR 12.99% – 19.99% var. APR%
058
js-table-filter bizname-us-bank-business-platinum-visa-card
0
js-table-filter ccard-type-137
9.99% – 20.99% var. APR
0% APR for 15 months
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Purchases APR 9.99% – 20.99% var. APR%
Balance Transfer APR 9.99% – 20.99% var. APR%
048
js-table-filter bizname-business-edge-cash-rewards-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter gas-139
11.99
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Cashback
  • Gas
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% to 17.99% APR%
058
js-table-filter bizname-business-edge-travel-rewards
js-table-filter airlines-140
55
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter points-137
11.99
js-table-filter no-annual-fee-first-year-225
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Airlines
  • Gas
  • Points
  • No Annual Fee First Year
Annual Fee $55
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% to 17.99%%
148
js-table-filter bizname-business-edge-select-rewards-card
js-table-filter airlines-140
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter gas-139
js-table-filter points-137
11.99
js-table-filter restaurants-142
js-table-filter travel-143
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1850

  • Airlines
  • Gas
  • Points
  • Restaurants
  • Travel
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% to 17.99% APR%
058
js-table-filter bizname-us-bank-business-edge-platinum-visa-card
0
js-table-filter ccard-type-139
js-table-filter ccard-type-137
9.99
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • No Annual Fee
  • 0% Introductory APR
Card Type Low APR
Card Type Balance Transfer
Purchases APR 9.99%
Balance Transfer APR 9.99% to 17.99% APR%
058
js-table-filter bizname-us-bank-club-carlson-business-rewards-visa-designed
60
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
13.99
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Every Purchase
  • Points
  • Travel
Annual Fee $60
Card Type Rewards
Purchases APR 13.99%
040
js-table-filter bizname-us-bank-ace-rewards-visa-business-visa-card
0
js-table-filter ccard-type-136
js-table-filter points-137
13.99
0
js-table-filter no-annual-fee-238
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Points
  • No Annual Fee
Card Type Rewards
Purchases APR 13.99%
Balance Transfer APR 13.99% to 22.99%%
000
Load More Products

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...

Reviews

Write a Review

Sort by:

  • Rating
  • Date
  • Most Useful

0 votes

The annual fee and interest rates for this card are on the low side but otherwise this card is only so-so. The rewards aren't that great especially since it calls itself a travel rewards card. I'd give this one a miss.


0 votes

If you're OK with the restrictions associated with this card, you can get generous rewards on travel. But if you're not willing to use the internal booking tool or if you travel abroad (foreign transaction fee) this is not such a great card. There are better deals out there.


0 votes

The rewards program for this card is OK, especially if you only travel domestically. But there is a foreign transaction fee, which makes this card a not-great option for travel abroad. The APR is also just OK, so it's not a great choice for big-ticket business purchases unless you expect to pay off the balance in full immediately.


New Review for US Bank FlexPerks Business Edge Rewards Card

Rate your experience:

Cancel