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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

U.S. Bank Business Essentials Plus Card card art
U.S. Bank Business Essentials Plus 1 of 1
Comparing 1 card
U.S. Bank Business Essentials Plus Card card art
U.S. Bank National Association
U.S. Bank Business Essentials Plus
Apply Details
Cost and value $295 fee
Annual fee
$295
Credits you can use a year, if you use every one
None
Fee after credits
$295 a year net cost
Point value per point or mile
1.00¢ Fact
Rewards currency
Cash back
Foreign transaction fee
Not confirmed
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus $1,000 statement credit, about $1,000
Bonus
$1,000 statement credit
Estimated value
$1,000
Spend to earn it less a month is easier
$15,000 in 150 days about $3,000 a month
Earning rates Top rate 10% back
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Hotels
2% back the everything-else rate
  • 10% back via the issuer portal, about 10.0%
Everything else
2% back
Only on this card
  • 5% back Top 1 spend category each month
Statement credits No credits
Monthly credits to track fewer is less work
0
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Protection and insurance 1 coverage
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Other coverage
  • Receive a new cardmember $0 fee offer on U.S. Bank ExtendPay Plans opened in the first 60 days after account opening for eligible purchases over $100.
Lifestyle and other perks None listed
Employee cards Free
Cost
Employee cards are free.
Each one gets
Not listed
Application rules No known rules
Issuer approval rules
Not listed
Bonus eligibility
Not listed
Card type
Business