The U.S. Bank is a business credit card from U.S. Bank. Application typically pulls a credit report from TransUnion. The annual fee is $295 ($0 for authorized employee cards). The ongoing APR is 17.99% to 27.99% variable, based on creditworthiness (terms accurate as of 10/2026). Signup bonus: $1,000 cash back (100,000 bonus points) after $15,000 in eligible Net Purchases within 150 days of account opening. Rewards: Unlimited 2% cash back (2 Points per $1) on eligible Net Purchases; 5% on the top eligible spend category each month automatically (Top Categories: accounting & tax services, airlines, cell phone providers, dining, entertainment, office supply stores, postal & shipping, utilities) up to $200,000 annually; Business Essentials Plus Earning Bonus with a 30-day average Qualifying Balance in a qualifying U.S. Bank business checking account: 2.5% total ($15,000-$74,999.99), 3% ($75,000-$149,999.99), 3.5% ($150,000+) on up to $200,000 annually; 10% on prepaid hotels and car rentals booked in the Travel Center. Education, gift cards and tax earn base 2% only.. Loan terms: Revolving business credit card; due date 24-30 days after each billing cycle closes; no interest on new purchases if paid in full; ExtendPay fixed-payment plans available (monthly fee up to 1.6% of principal). This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).