Business Credit Cards

U.S. Bank Business Edge Credit Card

Application Link (Target: $200; Current: $200)

Annual Fee: $0

Earning: 3% (3.75% with annual bonus) cash back on cellular, gas, and office supply; 1% (1.25% with annual bonus) cash back on everything else.

Benefits: 25% annual bonus on cash back earned up to $250, 0% APR for your first nine billing cycles, and free employee cards (up to 10). 

Note: Each authorized user card that completes the $1,000 minimum spend requirement can also receive a $200 bonus. If you maximize this fully, it can be a total bonus of $2,200 ($200 for primary cardholder and $2,000 for 10 employees)

U.S. Bank Business Leverage Credit Card

Application Link (No bonus, but one extra point per dollar spent up to 100,000 bonus points)

Annual Fee: $0 first year; $95 thereafter (free employee cards)

Earning: 2x points in the 2 categories you spend the most each month (automatically calculated; list of all 48 categories); and 1x everywhere else.

  • Equivalent to 2% cashback on the top two categories and 1% everywhere else (3% and 2% cashback your first year). This card is uncompetitive past the first year considering there are so many no annual fee 2% cashback cards for all purchases, and the American Express Blue Business Plus card (2x American Express points, which I value as equivalent to 4% cashback)

Benefits: Extended Warranty, 90-day purchase protection, lost luggage reimbursement, second rental car insurance, and eligible for Encore Relationship Rewards if US Bank is your payment processor (very low rewards earn rate of $1 for $2,000 in transactions)