Business Essentials™ Visa® Card
50,000 Points welcome bonus. No annual fee.
- Welcome offer
- Issuer's pageusbank.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
- Issuer's pageusbank.com
“$0 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 | $240 | $240 |
| Typical spender | $1,100 | $600 |
| Heavy spender | $1,820 | $1,320 |
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: 2.5x Eligible Net Purchases when you qualify for the Business Essentials Earning Bonus; welcome bonus needs $5,000 in 3 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 95% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
50,000 Points
Eligible Net Purchases totaling $5,000 or more
One-time New Credit Card Enrollment Bonus. The spending period is 150 days from account opening. Points may be credited within 1–2 statement billing cycles. Maximum point value applies when redeemed for a deposit into an eligible U.S. Bank Account or as a statement credit.
How you earn · U.S. Bank Business Essentials Visa Card program
- 6× pointsPrepaid car and hotel reservations purchased in the Travel Center
- 2.5× pointsEligible Net Purchases when you qualify for the Business Essentials Earning Bonus
- 2× pointsEverything else
Rates and fees
| Annual fee | Issuer's pageusbank.com “$0 annual fee” |
|---|---|
| Intro APR | Issuer's pageusbank.com “0% intro APR on purchases for the first 12 billing cycles .” |
| Balance transfer fee | Issuer's pageusbank.com “Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply.” |
Carrying a balance? See how long it takes to pay off
Questions
- What is the annual fee?
- $0 usbank.com, since Sep 29, 2026
- Is there an intro APR?
- 0% for first 12 billing cycles. usbank.com, since Sep 29, 2026
- Is there a welcome bonus?
- 50,000 Points after $5,000 in purchases. usbank.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$300 a year
- GM Rewards MastercardBarclays · No annual fee+$300 a year
- CareCredit MastercardSynchrony · No annual fee+$110 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).