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U.S. Bank Business Essentials Card card art
Sign-up bonus
$500 statement credit ≈ $500 value
after $5,000 spend in 150 days
U.S. Bank National Association

U.S. Bank Business Essentials Card

Business News on this card (1)
Annual fee $0 Fact
Foreign transaction fee Not confirmed
Rewards currency cash back
Cash back value 1.00¢ Fact
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Last updated Nov 2, 2026

Checked Nov 2, 2026

How you earn
CategoryRateCurrencyCap
Travel (issuer portal)
Earn 6% cash back (2 base and 4 additional points per $1) on prepaid hotel and car rental reservations booked directly in the U.S. Bank Travel Center using your card.
 6% cash back No cap
Everything else 2% cash back No cap
Conditional earning rates
RateWhen it applies
2.5% Earn a total of 2.5% cash back (2% base plus 0.5% Business Essentials Earning Bonus) on your first $10,000 in eligible net purchases each billing cycle when you have a qualifying U.S. Bank business checking account and a qualifying balance of $10,000 or more.
Benefits & protections
Card facts
Other Perks 1

Receive a new cardmember $0 fee offer on U.S. Bank ExtendPay Plans opened in the first 60 days after account opening.

Employee cards on the U.S. Bank Business Essentials

Card facts

Employee cards are free.

News on this card