Our illustration, not the card’s design
US Bank credit card
U.S. Bank Business Essentials Visa® Card
No annual fee. 50,000 points welcome bonus.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 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 totaling $5,000 or more are made to the account within 150 days from account opening.”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · onboarding.usbank.com
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · usbank.com
“3% cash back”
Select an underlined figure to see where it comes from.
US Bank’s terms
Welcome offer
50,000 points
$5,000 or more in eligible Net Purchases
One-time 50,000 bonus points (worth up to $500) awarded if eligible Net Purchases totaling $5,000 or more are made within 150 days from account opening; employee card purchases count toward the spend requirement. Points post within 1-2 statement billing cycles. Maximum point value applies to deposit or statement credit redemptions; other redemptions may differ. Cannot be combined with any other credit card bonus offer. Subject to credit approval.
- 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 Business Essentials Earning Bonus: total 2.5 Points (2 base plus 0.5 additional) per $1 of eligible Net Purchases, applied to the first $10,000 in eligible Net Purchases each card billing cycle when the Qualifying Balance requirement is met; 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 Business Essentials Earning Bonus: total 2.5 Points (2 base plus 0.5 additional) per $1 of eligible Net Purchases, applied to the first $10,000 in eligible Net Purchases each card billing cycle when the Qualifying Balance requirement is met; 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 Business Essentials Earning Bonus: total 2.5 Points (2 base plus 0.5 additional) per $1 of eligible Net Purchases, applied to the first $10,000 in eligible Net Purchases each card billing cycle when the Qualifying Balance requirement is met.
$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 Business Essentials Earning Bonus: total 2.5 Points (2 base plus 0.5 additional) per $1 of eligible Net Purchases, applied to the first $10,000 in eligible Net Purchases each card billing cycle when the Qualifying Balance requirement is met.
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 100% of the 732 cards we track.
- No annual fee, like about 100% of the 50 cards on our No annual fee list (see the list).
Other cash back cards with no annual fee
- Citizens Summit World MastercardCitizens · No annual fee+$10 a year
- Wells Fargo Cash Back Credit CardWells Fargo · No annual feeabout the same
- Credit One Bank Omni RewardsCredit One · No annual feeabout the same
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
How you earn
- 2.5×
- Business Essentials Earning Bonus: total 2.5 Points (2 base plus 0.5 additional) per $1 of eligible Net Purchases, applied to the first $10,000 in eligible Net Purchases each card billing cycle when the Qualifying Balance requirement is met
- 2%
- Everything else
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 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 Nov 1, 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 Nov 1, 2026 Issuer's page · usbank.com “Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply.” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · usbank.com “3% cash back” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · 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 Nov 1, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of each foreign transaction. · usbank.com, since Nov 1, 2026
- Is there an intro APR?
- 0.00% for first 12 billing cycles. · usbank.com, since Nov 1, 2026
- Is there a welcome bonus?
- 50,000 points after $5,000 in purchases. · usbank.com, since Nov 1, 2026