The U.S. Bank Business Edge™ Select Rewards card is offering 20,000 bonus points when you spend $1,000 during the first 90 days after opening your account. With this card you can maximize your rewards by choosing one of three categories where you spend the most: Day-to-Day Expenses, Automotive, or Travel and Entertainment.
Once you choose your category, you will earn 3 points per dollar spent in that category. Plus, there’s no cap on the points you can earn! All of these great features are available with no annual fee as well!
If you have a side business such as selling on eBay, Craigslist, or do freelance work, then your business is called sole proprietorship. Simply use your name as business ID and Social Security number as tax ID.
 |
*Check out U.S. Bank’s great sign-up bonuses for its Checking/Savings accounts.
U.S. Bank Business Edge Select Rewards
| Bonus Available | Earn 20,000 bonus points after you make at least $1,000 in eligible purchases within the first 90 days of account opening. |
| *Bonus Value | $200 |
| Ongoing Rewards/ Benefits | 3 points for every $1 spent on your choice of 1 out of 3 categories (day-to-day expenses, automotive or travel and entertainment) and 1 point for every $1 spent on all other purchases. |
| Foreign Transaction | 2% (USD) / 3% (foreign currency) |
| Annual Fee | $0 |
PROS
- No annual fee
- Bonus points
- Flexible bonus category
- Earn rewards for taking payments
CONS
- Good-Excellent credit needed to qualify
- Complicated rewards
- Foreign transaction fees
Editor’s Alternate Pick
 The Ink Business Cash® Credit Card offers $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll earn: • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year • 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. |
Business Select Rewards 20,000 Bonus Points Offer
Take advantage of the U.S. Bank Business Select Rewards card’s 20,000 bonus points offer. My valuation puts these points at around $200 (more on that below).
To qualify, charge at least $1,000 to your card within the first 3 months of opening your account.
What Are Business Select Rewards Points Worth?
Like many other rewards cards, your points’ worth depends on how you use them. On average, each U.S. Bank Business Select Rewards point is worth $0.01. This valuation is neither good nor bad. It’s what you would get for your points, on average, across different rewards cards.
You can use your U.S. Bank Business Select Rewards points for:
- Travel
- Gift cards
- Merchandise
- Statement credits
U.S. Bank Business Select Rewards Categories
Instead of a flat rewards rate or rotating categories, this card lets you choose your bonus category. Earn unlimited 3 points per $1 spent on eligible purchases from one of the following:
- Day-to-day business expenses: shipping, advertising, utilities, office supplies, telecom and professional services
- Automative purchases: gas, service, tires, tolls, dealerships, car washes and repairs
- Travel and entertainment expenses: airlines, car rentals, hotel stays, restaurants and travel agencies.
As you can see, each bonus category is broadly defined, so you should be able to rack up points quickly. For all other purchases, you’ll receive 1 point per $1 spent.
Bottom Line
The U.S. Bank Business Edge™ Select Rewards is a business card that is currently offering 20,000 bonus points when you spend $500 during the first 90 days after opening your account. This card could be a good choice for you if you do most of your spending in one of these three categories: day-to-day expenses, automotive, or travel and entertainment.
When using your card in one of these categories, you will earn 3 points for each dollar spent (on net purchases) in the chosen category and 1 point per dollar on all other net purchases. You don’t have to pay an annual fee, and for the first 9 billing cycles there is a 0% intro APR on purchases. Find more of the best credit card bonuses from our exclusive list!
(Visit U.S. Bank for more details)
What’s The Competition?
Below are some of the top competitors to the U.S. Bank Business Select Rewards credit card you should consider.
Consider These No-Annual-Fee Alternatives
Cards like the Ink Business Cash Credit Card, Ink Business Unlimited Credit Card and Capital One Spark Cash Select for Business are good alternatives without an annual fee. They all have good sign-up bonuses as well.
The Ink Business Cash® Credit Card offers $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. You'll earn: • 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year • 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year • 1% cash back on all other card purchases with no limit to the amount you can earn. This card comes with no annual fee. You'll be able to take advantage of employee cards at no additional cost. |
 The Ink Business Unlimited® Credit Card offers $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. You'll earn an unlimited 1.5% cash back on every purchase made for your business and you'll receive employee cards at no additional cost. This card carries no annual fee. |
 The Capital One Spark Cash Select offers $500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening. You'll earn: • Unlimited 1.5% cash back could mean thousands of dollars each year going back into your business with no categories to limit your purchasing. • Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel This card comes with no annual fee and employee cards at no additional cost. |
The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.
The 3% cash back or even 1% cash back is misleading as if you actually do a statement credit, it is $16.75 for every 2,500 points which is 0.67% for every $1 at the 1 point and basically 2.01% for every $1 at the 3 point.