Our illustration in the card’s colours, not its design
US Bank credit card
Business Essentials™ Visa® Card
No annual fee. 50,000 Points welcome bonus.
Checked Oct 12, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Oct 12, 2026
Issuer's page · usbank.com
“New Credit Card Enrollment Bonus: One-time 50,000 bonus points (worth up to $500) will be awarded if eligible Net Purchases (Purchases minus credits and returns) totaling $5,000 or more are made to the account within 150 days from account opening.”
- Annual fee
- Receipt · Annual feeChecked Oct 12, 2026
Issuer's page · onboarding.usbank.com
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Oct 12, 2026
Issuer's page · onboarding.usbank.com
“3% of each foreign transaction”
Select an underlined figure to see where it comes from.
US Bank’s terms
Welcome offer
50,000 Points
Eligible Net Purchases totaling $5,000 or more
One-time New Credit Card Enrollment Bonus. The spending requirement must be met within 150 days from account opening. Please allow 1–2 statement billing cycles for bonus points to be credited. The offer may not be combined with any other credit card bonus offer. Maximum point value applies when Points are redeemed for a deposit into an eligible U.S. Bank Account or statement credit; other redemption values may differ. Other restrictions apply.
- Larger than about 70% 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 | $240 | $240 | |
| Typical spender | $1,100 | $600 | |
| Heavy spender | $1,820 | $1,320 |
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: 2.5x You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus.; points valued at an assumed 1¢; welcome bonus needs $5,000 in 3 months.
$240a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 2.5x You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus.; points valued at an assumed 1¢; welcome bonus needs $5,000 in 3 months.
$600a year
$1,100 the first year, with the welcome bonus.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 2.5x You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus.; points valued at an assumed 1¢.
$1,320a year
$1,820 the first year, with the welcome bonus.
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: 2.5x You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus.; points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Oct 12, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 100% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$155 a year
- CareCredit MastercardSynchrony · No annual fee+$110 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$95 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 Visa Card program
How you earn
- 6×
- You will earn 6 Points (2 base and 4 additional Points) for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the Travel Center using your U.S. Bank Business Essentials Visa Card.
- 2.5×
- You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus.
- 2×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Oct 12, 2026 Issuer's page · onboarding.usbank.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Intro APR | Receipt · Intro APRChecked Oct 12, 2026 Issuer's page · usbank.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Oct 12, 2026 Issuer's page · usbank.com “Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Oct 12, 2026 Issuer's page · onboarding.usbank.com “3% of each foreign transaction” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Oct 12, 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?
- None · onboarding.usbank.com, since Oct 11, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each foreign transaction. · onboarding.usbank.com, since Oct 11, 2026
- Is there an intro APR?
- 0.00% for first 12 billing cycles. · usbank.com, since Oct 11, 2026
- Is there a welcome bonus?
- 50,000 Points after $5,000 in purchases. · usbank.com, since Oct 11, 2026