U.S. Bank Business Edge Card
No annual fee
200 dollars
$1,000 initial spend
($185 net value, .19/$)
Signup Bonus Chart3% Cellular Expenses
3% Office Supply Stores
3% Gas
3% Restaurants
1% Everything Else
Plus a 25% annual bonus.
3% Foreign Transaction Fee
This card is primarily interesting for people who qualify for a business card and are looking for a no-annual-fee way to earn a slightly higher reward rate on cellular expenses and office supply stores.
Collecting the Signup Bonus
This card is primarily interesting for its bonus categories, not for its typical signup bonus. The typical signup bonus is $200. After subtracting the opportunity cost of using the card for $1,000 of spending, the calculated net value for the initial year is $185 (19 cents per dollar spent).
It isn't much, but its a nice side benefit, assuming you are interested in the card to earn bonus rewards on cellular expenses and office supply stores, without paying an annual fee.
However, at least for now, the signup bonus is a much more attractive $500.
Notable Benefits
- $100 annual software credit, good on purchases of certain software subscription services. After paying 11 consecutive months for a software service, you'll receive a credit of up to $100 per 12 month period.
- Elite car rental status. As with all World Elite MasterCards, you get free National Emerald Club Executive and Sixt Platinum status. Instant Car Rental Elite Status.
- Access to Mastercard's luxury hotel program. Another benefit of high-end MasterCards is access to MasterCard's luxury hotel program. When you use the program to book one of the participating hotels, you'll get a number of valuable benefits, like free breakfast, a $100 hotel credit, a room upgrade, and late checkout.Take Advantage of Luxury Hotel Programs for Valuable Extra Perks.
- Free ShopRunner membership. Like all World Elite MasterCards, your card entitles you to a complimentary ShopRunner membership, which provides free two-day and return shipping from around 150 of the largest online retailers. ShopRunner.
- DoorDash and Hello Fresh discounts. Cardmembers who have a DoorDash membership get $5 off their first two orders each month when paid for by their Mastercard. If you don't have a free membership from Chase, you can get your first three months membership for free through Mastercard. You also get a 5% credit back on each HelloFresh purchase.
- Some additional discounts. If you pay for at least 3 Lyft rides each calendar month with your Mastercard, you'll receive a $5 Lyft credit good for the following month (once you enroll in the Lyft app). You also receive double Fandango points, a 5% reward rebate at Boxed, and $5 off every Postmates order of $25 or more.
Bonus Categories
- For some people, this is a great card to use for your cell phone bill. You earn 3% back and get the standard Mastercard World Elite Cellphone coverage. However, since it is a business card, it doesn't cover additional members of your household (unless they are employees.
- If you can't get a Chase Ink Card, the 3% rewards on office supply store purchases might be interesting.