Posted by William Charles on July 1, 2019
Credit Cards

Published on July 1st, 2019 | by William Charles

167

U.S. Bank Business Cash Rewards $500 Sign Up Bonus

The Offer

Direct link to offer

  • U.S. Bank is offering a bonus of $500 after $4,500 in spend within the first 150 days on the U.S. Bank Business Cash Rewards World Elite Mastercard

Card Details

  • No annual fee
  • Card earns 3% cash back on cellular, gas and office supply store
  • Card earns 1% cash back on all other purchases
  • An annual bonus equal to 25% of your prior year’s Cash Rewards will be awarded following your Cash Rewards enrollment anniversary date, up to $250
  • Free employee cards
  • No cash back maximum, no expiration on the cash back

Our Verdict

Previously this card was called the Business Cash Edge card and you could get a bonus of $200 on each employee card for a total of $2,200. That bonus was obviously much better, but I don’t think we will ever see anything like that again. The standard bonus on this card is $200, so this $500 offer is significantly higher than that. , U.S. Bank does not report business cards to the personal bureau, so this is useful for people trying to stay under 5/24. Check out these 22 Things Everybody Should Know About US Bank Credit Cards before applying.

I’ll be adding this to our list of the best business credit card bonuses because I do think this is a strong cash offer and I doubt we see any repeat of the massive $2,200 bonus that had been possible.

Hat tip to bambinone



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Frogger
Frogger

Are they “business” friendly?

lei
lei

believe so, just opened a business checking in the branch with a “business”

SideshowBob233
SideshowBob233

Do their business cards count as an existing relationship for the altitude reserve?

chong786
chong786

nope, biz cards don’t count

Bob Roberts
Bob Roberts

Well FML. Thanks for info.

LC
LC

Anyone with high X / 24 status apply for this card and get approved? Currently hold 2 US Bank personal cards.

chong786
chong786

not for this card but I got approved for KE biz card at 19/24

Thomas
Thomas

same – trilogy-09

Ann
Ann

“trilogy-09”?

Jags
Jags

Pending 7-10 days

David
David

Is this card sensitive to MS? Seems U.S. bank generally do?

Karl
Karl

Just don’t buy a GC! They are kryptonite to US Bank CCs.

RV
RV

From any place? Like “Gas Station”, grocery store, Simons, or drug store?

Karl
Karl

If no L3, no obvious amounts and absolutely no U.S. Bank backed GCs, you should be OK.

Sonia
Sonia

a fair warning to those applying. US bank only allows you to cycle your limit twice a month. If you get a $500 credit limit, you better keep track of your spend.

David
David

What do you mean by “cycle limit” ?

Sonia
Sonia

cycling your credit line

elliott
elliott

but why male models?

Ann
Ann

Wha?

Ferris
Ferris

I think you mean mail models.

Ann
Ann

Pay down your maxed-out card before the statement generates, so you can spend more. You apparently should only do that once per month on this card, so you can spend a total of 2x your official spend limit per month on it.

N
N

So what happens if you try to cycle it past that, they shut you down or what?

Seth
Seth

Worth a try, but denied. I’m lol/24 so it was expected

Sean X
Sean X

From T&C:
“Account Owners are eligible to receive a one-time enrollment bonus for each new Business Cash Reward account type per Company. Existing and previous Business Cash Reward accounts do not qualify for bonus cash for a similar account type.”

Damn.

Churnholio
Churnholio

Do you or does anyone have a clearer sense of who exactly this disqualifies? The last line makes it sound like if you have the Business Cash Edge, or had it and then converted to another card, then you don’t qualify.

Thinking optimistically…I had a Business Cash Edge which I closed a few months ago, registered under a different business name than my current US Bank business checking, but with the same tax ID (SSN – sole prop). I received this offer in my statement mailer–any ideas if I’d qualify?

I’m going to call the application line shortly and will update if I get clarification.

Churnholio
Churnholio

Follow-up on the clause mentioned above:

I called their business application line and provided the offer code in the statement mailer (looks like a generic code, written as an extension after the 800 number for the application line) along with some personal ID and was told by the rep that yes, I would qualify for the new bonus.

He explained the clause thus: if I opened this account, received the bonus, closed, and tried to do it again “like a month later,” then I would be denied a second bonus. IMO it sounds like they’re just covering themselves in case of obvious churning behavior, but that the clause MAY not be strictly enforced, especially in regards to having had the Business Cash Edge in the past. They MIGHT be less lenient if you apply for another business cash back product concurrently, or something like that.

I applied later that day, went pending, and was approved after 3 or 4 business days. I’ll follow up when/if the bonus posts.

James
James

Pending 7 to 10 days. Worth a try for $500. Under 5/24 and credit score around 760 to 800 depending on who’s reporting.

Avi
Avi

Great card for folks who like to utilize 0% APR for long term. Also this card comes with a 25% bonus rewards at anniversary. Anyone knows if the 25% applies to the sign-up bonus as well? Then we’d really be looking at a $600 bonus.

Sarah
Sarah

Yup, Same question I had – I would say yes.

BBR
BBR

How would/does using the 0% apr work with trying to meet the min spend?

A
A

When they offered a similar bonus on the Business Cash Edge, the 25% bonus did NOT apply to the opening bonus

Pointz
Pointz

Damn. Applied last week with 200 bonus for 1000 spend and the card on its way. Will they match???

Thom
Thom

be the data you wish to see

Pointz
Pointz

Dont hurt to ask. I hate talking to us bank on the phone

Aaron
Aaron

They did not match my request. Requested couple days ago. Declined.

Adam
Adam

My request to match was denied.

Jeff G
Jeff G

lol/24 and got 7-10 days.

Mj
Mj

Same

Jeff G
Jeff G

I called in after 10 days and was denied. That was a week ago. Just got a letter in the mail saying they need to verify my identity. Will call tomorrow.

benjamin
benjamin

Mine is pending and that is code for declined

jpv
jpv

Mine was pending and was approved in a week.

Agnes
Agnes

I got approved on US Bank biz trying to take advantage on 0% purchase for a year. They gave me $500 limit on $5,000 spend in 3 mo to get the bonus. Forget it. None of my 8 Chase credit cards plus ever other banks ever offer me that low of a limit.

Jeff G
Jeff G

Ugh, that is just wrong.

frogger
frogger

Call and ask them to increase your limit. Also what is your x/24? Do you have a real business?

Grasshopper
Grasshopper

Does anyone know if Fed tax payments count as purchases for US Bank business ccs?

Burton

I’m not aware of fed tax payments not counting as purchases on any card from any issuer. I’m planning to top off my US Bank Business Card (Radisson) for a “free” night around 4/15.

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