| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
|---|---|---|---|---|---|
| 75,000 | $7,500 | 1.2 ¢ | $0 | $0 | $990 |
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| US Bank Travel Portal | 2x back on unique spend categories not offered by other cards. | No CR , 5/24 , Citi 6/6 |
Spend Categories
1X points
1.2¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
2X points
2.4¢ Per Dollar Spent
Card Benefits
Point Transfer Options
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Travel Partner Transfers
Outside Point System US Bank Flex Perks
Transfers Out To
1:1 83% value retained
Why You Might Want This Card
The special offer of 75,00 points is relatively new. You have 4 months to spend the hefty $7500 minimum. You need to be a US bank member to be approved in all likelihood.
Beyond that, the big draw is the 2x bonus points earned in the top 2 categories in which you spend the most. The unique thing about this card is that the bank determines what your money was spent on -- then automatically determines your top 2 spending categories out of their list of 48 different categories. That means you can just spend away on whatever you need for your business, and the card will work behind the scenes making sure that you're getting the absolute most points.
What could make this card attractive on a niche basis are the unique categories that no other card offers, such as Healthcare providers, Insurance Providers, Membership Organizations, Wholesale Goods, etc. 2x cash back on a major supplier could be worth an extra $1,000 cash-back. You can view the categories here.
Bottom Line
This card was designed with two major concepts in mind. One, the automatic rewards category. And two, flexible cash back or points. If you're a business owner and a big spender in a unique category, this card might have some appeal to you. The 48 different categories include everything from insurance providers to uniforms to healthcare. The points can be pooled to the Central Bill account, and then redeemed for gift cards, travel, cash back and merchandise rewards. If you are a business and have an account with US bank, this card is worth a good long look with the 75,000 point bonus.
Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
Your application will be declined if 5 new cards are reported on your personal credit report in the past 24 months
You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months
Ranking of Cards Offering US Bank Flex Perks
What to Know Before Canceling
Be sure you have used your Flex Perks or have another card that will support them.