Business Essentials™ Plus Visa® Card
100,000 Points after you spend $15,000 in 5 months. $295 a year.
- Welcome offer
- Issuer's pageusbank.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
- Issuer's pageusbank.com
“1 $295 annual fee”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$55 | −$55 |
| Typical spender | $305 | $305 |
| Heavy spender | $2,025 | $1,025 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 0.5x Business Essentials Plus Earning Bonus for eligible Net Purchases when the qualifying balance is between $15,000 and $74,999.99; requires an existing or newly opened qualifying U.S. Bank business checking account with a minimum opening deposit of $25.; not counted: 1.5x Business Essentials Plus Earning Bonus for eligible Net Purchases when the qualifying balance is $150,000 or more; requires an existing or newly opened qualifying U.S. Bank business checking account with a minimum opening deposit of $25.; not counted: 1x Business Essentials Plus Earning Bonus for eligible Net Purchases when the qualifying balance is between $75,000 and $149,999.99; requires an existing or newly opened qualifying U.S. Bank business checking account with a minimum opening deposit of $25.; points valued at an assumed 1¢; welcome bonus needs $15,000 in 5 months.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 80% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
100,000 Points
After you spend $15,000 on purchases in your first 5 months.
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.
How you earn · U.S. Bank Business Essentials Plus Visa Signature Card program
- 0.5× pointsBusiness Essentials Plus Earning Bonus for eligible Net Purchases when the qualifying balance is between $15,000 and $74,999.99; requires an existing or newly opened qualifying U.S. Bank business checking account with a minimum opening deposit of $25.
- 1× pointsBusiness Essentials Plus Earning Bonus for eligible Net Purchases when the qualifying balance is between $75,000 and $149,999.99; requires an existing or newly opened qualifying U.S. Bank business checking account with a minimum opening deposit of $25.
- 1.5× pointsBusiness Essentials Plus Earning Bonus for eligible Net Purchases when the qualifying balance is $150,000 or more; requires an existing or newly opened qualifying U.S. Bank business checking account with a minimum opening deposit of $25.
- 3× pointsThe top eligible spend category each month, including accounting & tax services, airlines, cell phone service providers, dining, entertainment, office supply stores, postal & shipping services, and utilities.
- 8× pointsPrepaid car and hotel reservations purchased in the Travel Center using the U.S. Bank Business Essentials Plus Visa Signature Card.
- 2× pointsEverything else
Rates and fees
| Annual fee | Issuer's pageusbank.com “1 $295 annual fee” |
|---|
Carrying a balance? See how long it takes to pay off
Questions
- What is the annual fee?
- $295 usbank.com, since Sep 29, 2026
- Is there a welcome bonus?
- 100,000 Points after $15,000 in purchases in 5 months. usbank.com, since Sep 29, 2026
Other points cards with fees up to $300
- WealthRegions · $125 a year+$320 a year
- Hilton Honors American Express SurpassAmerican Express · $150 a year+$195 a year
- Marriott Bonvoy BevyAmerican Express · $250 a year−$145 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).