Benefits & Rewards
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Card Security

Benefits and Rewards

Get the most from your card.

  • Card Benefits

    Not all U.S. Bank credit cards are featured on this site. If you can’t find your credit card on this site and want to learn more about your card’s travel and shopping benefits, please call Cardmember Service. Our Cardmember Service team can also explain how to earn and redeem rewards if your card has a reward program.

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

    Learn More about a featured business credit card.

    Service Benefits for all U.S. Bank Business Credit Cards

    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.

    Learn More

    Chip Technology

    Select cards feature an embedded microchip that will add an additional layer of security every time it is used to make a purchase 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.

    Learn More

    Online and Mobile Account Access

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

    Online Banking      Mobile Banking

    FlexControl™ Budgeting Tools

    You know best how to manage your money, which is why FlexControl™ from U.S. Bank offers free credit card management tools that help you avoid interest and late fees. We provide automatic payment tools that give you the flexibility to pay off everyday purchases in full, accelerate payments to help pay down a balance faster, or pay off larger purchases over time. You can also set up account alerts and choose your payment due date.

    Learn More

    Spend Analysis Online Reporting

    Our Spend Analysis online reporting tool makes tracking and monitoring expenses easy.

    • View a chart showing your spending information at a glance.
      • Monitor transactions in your top spend categories, such as Automotive, Food or Travel.
      • Review transactions monthly, quarterly or annually.
    • Download an easy-to-read Annual Account Summary (PDF format).

    Simply log in to Online Banking, select your credit card and click “Spend Analysis.”

    U.S. Bank Connect

    U.S. Bank Connect is a free online resource and community for business owners. Through interactive and informative articles, videos, and workshops, Connect provides expert advice on issues facing small businesses today.

    My Cardmember Agreement

    It’s important to be familiar with the rules and understand how your card works. Check out this cardmember agreement overview and get answers to common cardmember agreement questions. Learn how to avoid interest on purchases, understand the different types of account charges, request a copy of your credit card agreement, and more.

    Learn More