Benefits & Rewards
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Benefits and Rewards

Get the most from your card.

U.S. Bank Business Leverage™
Visa Signature® Card
  • Earn Rewards

    Earn 2X in the top two categories you spend the most – automatically! 

    • Earn two points per dollar spent on eligible net purchases made in the top two categories where you spend the most each month.1,2
    • Nothing for you to sign up for or track since bonus categories adjust month to month based on how you use your card.1,2

    • Earn one point per dollar spent on all other eligible net purchases.1,2

    • There’s no cap or limit on the total points you can earn.2

    • Earn even more rewards when you link your card to your U.S. Bank payment processing account. Go to usbrelationshiprewards.com for more details.

    Important:

    • The account must be open and in good standing to earn and redeem rewards.

    Log In to My Rewards

  • Rewards Pooling

    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

  • Redeem Rewards

    • Gift Cards – Redeem points for gift cards at hundreds of top retailers.
    • Merchandise Rewards – Choose from hundreds of brand name items.
    • Travel – Redeem for airline tickets on over 150 airlines with no blackout dates.
    • Cash Back – Get a statement credit or deposit into your U.S. Bank business checking, savings or money market account ($50 minimum deposit).3

    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:

    • The account must be open and in good standing to earn and redeem rewards.

    Log In to My Rewards

  • Visa® Card Benefits

    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.4

    Call 1-800-397-9010 for additional details to determine if this coverage is right for you or to make a claim.

    Travel Accident Insurance

    Use your eligible credit card to purchase travel fares on common carriers (train, plane, bus, or ship) and receive automatic Accidental Death and Dismemberment Insurance for you and your family. Certain terms, restrictions, and exclusions may apply.4

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

    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.4

    Call 1-800-397-9010 to learn more.

    Lost Luggage Reimbursement

    Enjoy greater peace of mind when you travel. If your checked or carry-on luggage and its contents are lost due to theft or misdirection by the common carrier, you can get reimbursed. Certain terms, conditions, and exclusions may apply.4

    Call 1-800-397-9010 to learn more or make a claim.

    Roadside Dispatch

    Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-VISA-TOW (1-800-847-2869). Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees. Certain terms, conditions, and exclusions may apply.4

    Visa Signature® Luxury Hotel Collection

    When you book through the Visa Signature Luxury Hotel Collection site, you can stay at select luxury hotels worldwide and enjoy an exceptional set of VIP perks – including a $25 USD food or beverage credit, a room upgrade upon arrival (when available), and much more. Certain terms, conditions, and exclusions may apply.4

    Learn More or call 1-800-953-7392.

    Concierge Services

    Enjoy personalized assistance with restaurant and travel reservations, event tickets, gift arrangements, business services, and more. Cardholders are responsible for the cost of any goods or services purchased. Certain terms, conditions, and exclusions may apply.4

    Learn More or call 1-800-953-7392 to talk with Concierge Services now.

    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.4

    Call 1-800-397-9010 to learn more or to make a claim.

    Extended Warranty 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.4

    Call 1-800-397-9010 to learn more or to make a claim.

    Event Access, Offers, and Discounts

    Enjoy access to special packages, discounts, offers, upgrades, and events in these categories: Travel, Entertainment, Fine Wine and Food, Sports, and Shopping.

    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

    Visa® Payment Controls

    Business cardmembers may also take advantage of Visa Payment Controls, an additional FlexControl™ service that lets you individually customize each of your employees’ business credit cards. It will help you manage where, when, and how your employees use their card.

    Learn More

    Visa® Liability Waiver Program

    This program protects your business from possible card misuse by terminated employees. The program covers eligible transactions billed or incurred within 75 days prior to, or up to 14 days following, the notification of employee termination. Certain terms, conditions, and exclusions may apply.4

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

  • Service Benefits

    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

    Your credit card is embedded with a microchip that adds an additional layer of security to your traditional magnetic stripe card. It 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.

    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.”

    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 financialiq.usbank.com and click on the “Manage your Business” section.

    Cardmember Agreement Quick Guide

    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