Credit Card Review & Application

5.0

out of 5

- 0% Intro APR* for 15 billing cycles on purchases and balance transfers
- Earn 3% cash rewards on cellular, gas and purchases made at office supply stores and 1% on all other purchases
- 25% annual bonus of your prior year's cash rewards up to $250
- No cap on the cash rewards you can earn and they never expire
- $0* annual fee if you make one purchase per year, otherwise $25*



Intro APR: 0%*
Intro Period: 15 months
APR: 11.99% - 17.99% (variable)*
Annual Fee: $0*
Issuer: US Bank
Card Network: VISA®
Card Category: Business (Premium)
Card Type: - Instant Decision Card
- Low Interest Credit Card
- Reward Card
Credit Needed: Good*

by

The US Bank FlexPerks Business Cash Rewards Visa provides business owners an easy way to get the buying power they need. An online application process can provide a credit decision within a few minutes. The card will then be mailed out and features will begin upon card activation. A person must be at least 18 years of age to apply and the credit score will be checked.

Cash rewards are earned within the card. Every purchase entitles the cardholder to at least 1% cash back. When purchases are made at gas stations, for cellular products and bills as well as at office supply stores, additional cash back can be earned. Bonus cash rewards are also given on the anniversary of every year.

The rewards have no limits. These won't expire and a person can continue accruing the rewards until the desired amount is reached. The minimum redemption level is $25. At that point, a person can choose one of three methods for cash rewards. The reward can be deposited into a US-based bank account, added to the statement as a credit or a rewards card can be requested, which works similar to a prepaid Visa.

Online account tools provide convenience for cardholders. A unique username and password will be created. A person can choose to log on at any time of the day or the night to check account balance, available credit, download statements, pay bills, contact customer service and run a number of other functions. By knowing account details at all times, a person can prevent overages and avoid going into credit card debt.

Fraud protection is a feature of the card as well. Cardholders can use the card anywhere around the globe and know that it is secure. The card is constantly monitored for fraudulent and suspicious activity. Whether the card is lost, stolen or compromised online, a cardholder is never responsible for a charge that appears on the account through fraudulent means. One simply needs to contact customer service to dispute the charge.

The card is very affordable. There is no fee to complete the application. The variable APR is based on creditworthiness. Those with higher credit scores will receive lower APRs. Every statement provides two options. One can choose to make the minimum payment and carry the balance or pay off the balance and avoid interest charges completely.

Using the card provides buying power for business purchases. It's a card that is accepted around the globe and provides cash back. The online application is available at all times, making it easy to apply.

Reward Types: - Cash Back Reward Cards
- Gas Reward Cards
- Other Rewards Cards
- Universal Reward Cards
Reward Unit: Cash
Rewards: - 3% cash rewards on cellular, gas and purchases made at office supply stores
- 1% on all other purchases
- 25% annual bonus of your prior year's cash rewards up to $250
Expiration: None*
Yearly Limit: None*
Other Benefits: *See Terms and Conditions of the Card
Comments: Annual Membership Fee: $0 the first year and every year that you charge at least one purchase to the account, otherwise $25
Online Account Access: Yes
Introductory APR: 0%*
Applied Towards: Purchases
Introductory Period: 15 months*
APR on Purchases: 11.99% - 17.99% (variable)*
Annual Fee: $0*
Grace Period: 24 - 30 days*
Late Payment Fee: $29.00*
Over Limit Fee: $39.00
Balance Transfer: Yes
Transfer Fee (%): 3.00%
Minimum Fee: $5.00
APR Cash Advances: 20.99%
Cash Advance Fee: 4.00%
Minimum Fee: $10.00
Additional Fees - Foreign Transaction: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
- Returned Payment Fee: $35.00
Apply Now


You may also be interested in:

† The information provided for US Bank FlexPerks Cash Rewards Visa is believed to be accurate at the time of evaluation (Jan 26, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.




Home | RSS Feeds | Terms | Sitemap | Contacts Copyright © 2014 - CreditCardsCo™ - All rights reserved.