U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

  • Earn a new cardmember bonus of $200 after you spend $1000 in net purchases on your card within the first 90 days of account opening.
  • 3% cash back on cellular, gas stations and office supply store net purchases
  • 1% cash back on other net purchases
  • No cap on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee*
  • Net purchases are purchases minus credits and returns
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Business $0* N/A 0%* for 9 billing cycles on purchases* 13.99%-24.99%* (Variable) Cash Back


Quick Summary:
This is a Mastercard cash back rewards card issued by U.S. Bank. This card is restricted to business owners with a nearly perfect credit history. You may need proof of business ownership or involvement before finalization of the card acceptance. Rates may vary among applicants, however the lowest standard APR is 13.99%* and may be as high as 24.99%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is a purchase introductory APR of 0.00% for 9 billing cycles*. Be cautious that some card issuers may charge higher rates and fees for cash advances.

There is no annual fee for this card.*

Rewards:
This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO credit score of 769 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any U.S. Bank product.

Other Basics:
The grace period listed for the U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® is at least 24-30 days*. So interest charges will not be applied for new purchases during this time. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

You will normally need your basic business information, including your Federal tax I.D. number and business phone and address when applying for this offer.This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment.

Our Editor's Commentary:
The U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® is a game changer, thanks to its ultra-competitive reward program, 25 percent annual cash rewards bonus, with a $250 annual cap on the bonus.

If you have good to excellent credit and are interested in a well-rounded reward credit card, the U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard® is a great place to start your search.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

The recent approval rate for this card is very high. Furthermore, if your FICO score is close to or higher than 769, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
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