U.S. Bank Business Select Rewards credit card

U.S. Bank Business Select Rewards Card

Benefits and Rewards

Important changes coming to your U.S. Bank Business Select Rewards Card effective April 14, 2025.

Your card will give you even more great benefits, including:

Redeem points for charity and get a 100% match
Redeem points for a monetary charity contribution to a variety of nonprofits, and U.S. Bank will match your contribution at 100%.

Discount on purchased gift cards
Coming in early 2025! Receive discounts of up to 5% on dozens of name brand gift cards.

Discover all your card rewards and benefits in an enhanced online experience
Explore our enhanced rewards and benefits experience in the U.S. Bank Mobile App and at usbank.com. It’s your one-stop destination to view and redeem rewards, discover discounts from hundreds of merchants, and find out more about how your card benefits can make your experience even more rewarding.

A new and improved Travel Center is now available
Our new Travel Center, now with Booking.com, makes it easy to redeem your points to book hotels, air travel, car rentals, and attractions. Also, you can purchase travel with your credit card in the Travel Center and earn points, making it a great option for booking all your travel.

The following rewards program updates will take effect April 14, 2025.

Updated rewards earning
3X points on every $1 you spend on eligible purchases in the category of your choice: Day-to-Day expenses, Automotive, Travel and Entertainment.1

You will continue to earn 5X points on prepaid hotel and car rentals booked directly through the Rewards Center2 and 1X point for every $1 on all other eligible purchases.1

Reward redemption changes
You’ll get the most value when you redeem points as a deposit to an eligible U.S. Bank account or as a cash donation to charity, at $0.01 per point—where 10,000 points are equal to $100.

When redeeming points for a statement credit, travel, gift cards, merchandise, Real-Time Rewards and U.S. Bank Rewards Card, the point values and redemption minimums may vary over time, and will be disclosed upon redemption.6

Get the most from your card.

It’s the card that gives you flexible rewards.

  • Earn 3 points for every $1 spent on eligible net purchases at merchant locations in one of three categories chosen at the time of application1:
    • Day-to-day expenses – Including shipping providers, advertising agencies, utilities, office supply stores, telecom service/providers, and professional services businesses
    • Automotive expenses – Including gas^, service and electric vehicle charging stations, tire shops, car dealerships, car wash facilities, toll gates and car repair establishments
    • Travel & entertainment – Including airlines, hotels, car rental providers, restaurants and travel agencies
  • Earn one point per dollar on all other net purchases.1
  • Earn unlimited points with no cap.

^ Excludes discount stores/supercenters and wholesale clubs

Important:

  • Earn 5X points on prepaid hotel and car rentals booked directly in the Rewards Center.2
  • Points expire five years from the end of the calendar quarter in which they were earned.
  • The account must be open and in good standing (not past due or overlimit) to earn and redeem rewards.

Log In to My Rewards

Rewards pooling is when all rewards earned by any card within the company card program accumulate to the Central Bill account, which can only be accessed by the Authorized Officer or Authorized Representative. Central Billing is required for rewards pooling.

Important Facts:

Most rewards accounts are automatically set up for rewards pooling. To verify if your account is set up for Central Bill with rewards pooling, contact Cardmember Service using the number on the back of your card. It will take up to two monthly statements to get set up on Central Billing and rewards pooling.

Learn About Central Billing

Redemption Choices

It’s easy to redeem your reward points toward merchandise, statement credit, deposit to a qualifying U.S. Bank account, gift cards and travel or redeem instantly with Real-Time Rewards. Point values and redemption minimums may vary over time, and will be disclosed upon redemption.6

How to redeem rewards:

  • Log in to Online Banking.
  • Under the “My Accounts” tab, select “My Rewards.”
  • Click “Redeem Rewards” to start redeeming.

Or Contact Us to reach Cardmember Service.

Important:

  • Points expire five years from the end of the calendar quarter in which they were earned.
  • The account must be open and in good standing (not past due or overlimit) to earn and redeem rewards.

Log In to My Rewards

View the complete guide to benefits here (PDF).

MasterRental® Car Rental Collision Damage Waiver Insurance

Receive Auto Rental coverage by charging your entire rental transaction amount to your eligible card and declining the extra collision insurance (or loss damage waiver) from the rental company. If your rental car is damaged or stolen while you’re traveling, you can be covered! It’s your ticket to significant savings and increased peace of mind.

Benefits are subject to terms, conditions and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Please refer to your Guide to Benefits, visit the Mastercard benefits site at mycardbenefits.com or call 1-800-627-8372 for details.5

Airport Concierge

Receive a 15% discount on a dedicated “Meet & Greet” escort service to guide you through the airport upon departure, arrival or any connecting flights at over 450 destinations worldwide. Certain terms, condiitons and exclusion apply. Please refer to your Guide to Benefits or call 1-800-MASTERCARD (1-800-627-8372) for details.5

Mastercard Lifestyle & Travel Services

Experience a suite of premium travel benefits that provide access to Luxury Hotels & Resorts Portfolio, upgrades and discounts on select airlines, elite status at participating car rental companies and added-value through our Cruise and Tours and Vacations programs.

View the Mastercard Travel Benefits or call 1-800-627-8372.

Mastercard Easy Savings® Program

Enjoy this complimentary program where you can save on business purchases. Use your Business Mastercard on qualifying purchases at participating merchants. Your savings appear as automatic credits on your future account statements.

Learn More about the Mastercard Easy Savings Program

Mastercard ID Theft Protection™

Provides you with access to a number of identity theft resolution services, should you believe you are a victim of identity theft. This product offering will alert you about possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information in order to detect fraud at its inception. Services provided are on a 24-hour basis, 365 days a year.

Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Please refer to your Guide to Benefits, visit about the Mastercard ID Theft Protection website at mastercard.us.idprotectonline.com or call 1-800-MASTERCARD (1-800-627-8372) for details.5

View the complete guide to benefits here (PDF).

Auto Rental Collision Damage Waiver

Receive Auto Rental coverage by charging your entire rental transaction amount to your eligible card and declining the extra collision insurance (or loss damage waiver) from the rental company. If your rental car is damaged or stolen while you’re traveling, you can be covered! It’s your ticket to significant savings and increased peace of mind. Certain terms, conditions, and exclusions may apply.5

Call 1-800-348-8472 for additional details to determine if this coverage is right for you or to make a claim.

Travel and Emergency Assistance Services

Enjoy your trip knowing you have a wide range of emergency services available 24 hours a day when you are away from home. Get help coordinating medical, legal, and travel services when you need them. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other goods or services provided. Certain terms, conditions, and exclusions may apply.5

Call 1-800-992-6029 to learn more.

Purchase Security

Protect your credit card purchases in case of theft or damage due to a covered reason for the first 90 days from the date of purchase. Purchase Security will replace, repair, or reimburse your eligible items of personal property purchased entirely with your eligible credit card. Certain terms, conditions, and exclusions may apply.5

Call 1-800-848-1943 to learn more or make a claim.

Extended Protection

Double the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of three (3) years or less – up to a maximum of ten thousand dollars ($10,000) per claim. The eligible item must have been purchased with your eligible credit card. Certain terms, conditions, and exclusions may apply.5

Call 1-800-848-1943 to learn more or to make a claim.

Visa Discounts

Receive valuable discounts and/or gift-with-purchase offers from a wide collection of popular online and in-store retailers.

View Offers

Visa SavingsEdge®

Enjoy this complimentary program where you can save up to 15% on business purchases. Enroll your Visa Business card to save money on qualifying purchases at participating merchants. Your savings appear as automatic credits on your future account statements.

Learn More

24/7 U.S.-Based Customer Service

We have dedicated specialists available 24/7 to assist you with any questions about your account.

Contact Us or call the number on the back of your card.

Fraud Protection

We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your card and your account information safe.

Your account is also protected with zero fraud liability, which means you’ll get reimbursed for 100% of fraud losses due to unauthorized use of your account. Please notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

Chip Technology

All new cards are being embedded with a microchip that will add an additional layer of security to your traditional magnetic stripe card. Cardmembers without the microchip will receive a chip-enabled card when their existing card expires.

The microchip turns cardmember information into a unique code that is virtually impossible to duplicate or copy when used at a chip-enabled terminal. If the merchant has a chip terminal, they will ask you to simply insert your card into the terminal and sign your name to verify your purchase. At merchants who are not equipped with chip terminals, swipe your card and sign your name as usual.

Online and Mobile Account Access

View your account balance, pay your credit card, set up account alerts, and more.

Online Banking       Mobile Banking

Budgeting Tools

You know best how to manage your money, which is why U.S. Bank offers free credit card management tools that help you avoid interest and late fees. You can also set up account alerts, set controls and choose your payment due date.

Learn More

Financial IQ

The U.S. Bank Financial IQ website offers educational, inspirational and thought leadership topics to promote financial wellness for everyone, whether at work, home or play. To find topics to support you and your business, please visit usbank.com/financialiq and click on the "Manage your Business" section.

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The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

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  1. Points are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Please refer to your Cardmember Agreement for additional information. U.S. Bank Business Select Rewards cardmembers may earn three (3) points per dollar on Net Purchases at merchant locations classified as: Day-to-day expense providers, including shipping, advertising, utilities, office supply, telecom and professional services businesses. OR Automotive goods and services providers, including gas, service and electric vehicle charging stations, tire shops, car dealerships, car wash facilities, toll gates and car repair establishments. OR Travel providers, including airline, hotel, car rental, restaurant and travel agencies. IMPORTANT CHANGE: Effective April 14, 2025, you will earn three (3) points for every $1 in eligible net purchases according to your selected category excluding gas station, electric vehicle charging station and grocery purchases made at wholesale clubs and discount stores/supercenters such as Target and Walmart. All other Net Purchases may earn one (1) point per dollar. Account must be open and in good standing (not past due or overlimit) to earn and redeem rewards and benefits. Subject to applicable law, you may not redeem points, and you will immediately lose all of your points if your Account is closed to future transactions (including, but not limited to, Program misuse, failure to pay, bankruptcy, or death). A purchase will not earn additional Points if the merchant's selected code is in a category that is not eligible for additional Points earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional Points. Points will expire five years from the end of the calendar quarter in which they were earned.

  2. Cardmembers will earn an additional 4 points (for a total of 5 points) for every $1 in eligible net purchases spent on prepaid car and hotel reservations in the travel rewards center using your U.S. Bank Select Rewards Card. Prepaid car and hotel reservations in the travel rewards center are not classified as travel merchant category transactions and are not eligible to receive additional points for that category. Please allow 1-2 statement billing cycles for your bonus points to appear on your credit card statement.

  3. The U.S. Bank Rewards Card cannot be reloaded with additional funds, nor can it be used at an ATM. For complete terms, conditions, and fees, see the "U.S. Bank Rewards Card Cardholder Agreement" available at www.myusbankcorporaterewards.com or in your card package. Reward cards are issued by U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

  4. Mastercard® benefits are for Mastercard cardholders. Visa® benefits are for Visa cardholders. If you have any questions about your benefits, please see the link to the PDF document at the top of this section for full details.

  5. Please see the link to the Guide to Benefits PDF document at the top of this section for full details. Benefit descriptions are intended to provide general information about the coverage made available to you by U.S. Bank. Benefits vary by credit card product.

  6. Maximum Point value applies to Points redeemed for a deposit into an eligible U.S. Bank Account. The redemption value may be different if you choose to redeem your Points for other rewards such as travel, merchandise, gift cards, and/or statement credit. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice.