"0% interest on balance transfers." When you’re trying to pay down a hefty credit card balance, offers like this are tempting. But they can also be confusing. Learn how balance transfers work before you sign on the dotted line. A "balance transfer" involves moving debt you owe on one credit card to a new, low-interest credit card, but usually those...
|Annual Fee||$0 with one purchase per year|
|APR, Variable||After promotional period, 11.99% – 17.99% Variable|
|Cash Advance APR||20.99%|
|Intro APR Promotions||0% for 9 billing cycles|
Earn 3% cash rewards on cellular, gas and net purchases made at office supply stores and 1% on all other net purchases.
There's no cap on the amount of cash rewards you can earn, rewards never expire, plus rewards can be redeemed once you reach a $25 threshold, and in additional increments of $25 thereafter.
Introductory offer available to new U.S. Bank Business Cash Rewards Visa® members only.
See card issuer's website for details about terms and conditions of offer.
Excellent Credit Needed
- Unlimited 3% cash-back on select categories and 1% cash-back on everything else.
- 25% bonus on all cash-back you earn each year
- No annual fee
- No fees for additional credit cards
- Fewer perks and travel benefits than most business cards
The Simple Dollar’s Review
It’s not a fancy pants, perks-stuffed rewards card, but the U.S. Bank FlexPerks® Business Cash Rewards Visa® Card offers just what matters most to small business owners: substantial savings. You’ll get 3% cash-back on office supplies, gasoline, and cell phone bills charged to your card, and 1% back on everything else. There aren’t any limits and the cash-back can be redeemed in $25 increments. It gets better though. Each year, you receive a 25% bonus on all the cash-back you’ve earned. This essentially means you’re actually earning 1.25% cash-back on all purchases and 3.75% on office supplies, gas, and cell phones. You also earn cash-back on purchases with additional employee cards, which can be added to the account at no extra fee.
What makes all these savings all the sweeter is that there’s no annual fee – as long as you use the card – and your first nine months are interest-free.
As we mentioned, there are very few perks or rewards programs, but many small business owners will love this card for the same reason The Simple Dollar does: it’s simple and earns you lots of dollars.
There are 1.5 billion credit cards in use in the United States. Nearly 180 million of us pull out a card to make purchases, with an average of 3.5 active cards per person. All that plastic flying around facilitates more than convenience — with the right cards, regular use can add up to major rewards. With so many credit...