U.S. Bank 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 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
Make $5,000 or more in eligible Net Purchases.
Eligible Net Purchases must be made within 150 days from account opening. The bonus is worth up to $500 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 bonus points to be credited. Subject to credit approval.
How you earn · U.S. Bank Business Essentials Visa Card program
- 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 first 12 billing cycles .” |
| Balance transfer fee | Issuer's pageusbank.com “Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply.” |
| Late payment | Issuer's pageIssuer document The source states this figure; we have no exact sentence on file yet. Checked Oct 4, 2026Report a problem |
Carrying a balance? See how long it takes to pay off
Benefits
- Contactless chip technology for enhanced security and touch-free payments at participating retail locations.
- Additional employee cards may be requested at no cost.
- Account activity from employee cards may be combined into a centralized billing statement with one payment.
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 cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$110 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$50 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$25 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).