Our illustration in the card’s colours, not its design
US Bank credit card
Business Essentials™ Plus Visa® Card
$295 a year. 100,000 Points after you spend $15,000 in 5 months.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · usbank.com
“New Credit Card Enrollment Bonus: One-time 100,000 bonus points (worth up to $1,000) will be awarded if eligible Net Purchases (Purchases minus credits and returns) totaling $15,000 or more are made to the account within 150 days from account opening.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · usbank.com
“1 $295 annual fee”
Select an underlined figure to see where it comes from.
US Bank’s terms
Welcome offer
100,000 Points
After you spend $15,000 on purchases in your first 5 months.
- Spending it takes
- $3,000 a month
- for 5 months
- Tracking since
- Sep 29, 2026
- history will chart every change
One-time new credit card enrollment bonus; eligible Net Purchases must be made within 150 days from account opening. Bonus is worth up to $1,000 when redeemed for a deposit into an eligible U.S. Bank Account or as a statement credit. Please allow 1–2 statement billing cycles for crediting. Offer may not be combined with another credit card bonus offer. Other restrictions apply.
- Larger than about 95% of the 44 other Points bonuses we track.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$20 | −$20 | |
| Typical spender | $415 | $415 | |
| Heavy spender | $2,350 | $1,350 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 5x Top Categories: accounting & tax services (top eligible spend category each month); not counted: 5x Top Categories: office supply stores (top eligible spend category each month); not counted: 5x Top Categories: postal & shipping services (top eligible spend category each month); welcome bonus needs $15,000 in 5 months; not counted: 10x Prepaid hotel reservations purchased in the Travel Center using the card instead of Points.
−$20a year
The same in the first year and after.
Rewards and credits$275
−$20 after the fee−$295 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 5x Top Categories: accounting & tax services (top eligible spend category each month); not counted: 5x Top Categories: office supply stores (top eligible spend category each month); not counted: 5x Top Categories: postal & shipping services (top eligible spend category each month); welcome bonus needs $15,000 in 5 months.
$415a year
The same in the first year and after.
Rewards and credits$710
You keep $415−$295 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 5x Top Categories: accounting & tax services (top eligible spend category each month); not counted: 5x Top Categories: office supply stores (top eligible spend category each month); not counted: 5x Top Categories: postal & shipping services (top eligible spend category each month); welcome bonus needs $15,000 in 5 months.
$1,350a year
$2,350 the first year, with the welcome bonus.
Rewards and credits$1,645
You keep $1,350−$295 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 10x Prepaid hotel reservations purchased in the Travel Center using the card instead of Points; not counted: 5x Top Categories: accounting & tax services (top eligible spend category each month); not counted: 5x Top Categories: office supply stores (top eligible spend category each month); not counted: 5x Top Categories: postal & shipping services (top eligible spend category each month).
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 80% of the 732 cards we track.
Other points cards with fees up to $300
- WealthRegions · $125 a year+$210 a year
- Hilton Honors American Express SurpassAmerican Express · $150 a year+$85 a year
- Air Canada AeroplanChase · $195 a year−$140 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
U.S. Bank Business Essentials™ Plus Visa Signature® Card
How you earn
- 10×
- Prepaid hotel reservations purchased in the Travel Center using the card instead of PointsPrepaid car reservations purchased in the Travel Center using the card instead of Points
- 5×
- Top Categories: airlines (top eligible spend category each month)Top Categories: accounting & tax services (top eligible spend category each month)Top Categories: cell phone service providers (top eligible spend category each month)Top Categories: dining (top eligible spend category each month)Top Categories: entertainment (such as bowling alleys, golf courses, entertainment parks) (top eligible spend category each month)Top Categories: office supply stores (top eligible spend category each month)Top Categories: postal & shipping services (top eligible spend category each month)Top Categories: utilities (top eligible spend category each month)
- 2×
- Everything else
Points per dollar.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · usbank.com “1 $295 annual fee” |
|---|---|
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · onboarding.usbank.com The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · onboarding.usbank.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $295 · usbank.com, since Oct 1, 2026
- Is there a welcome bonus?
- 100,000 Points after $15,000 in purchases in 5 months. · usbank.com, since Sep 29, 2026