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The introductory APR does not apply to balance transfers or cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances. Balance transfer transactions from other U.S. Bank National Association accounts are not permitted. 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All employee card(s) eligible Net Purchases will count towards the $5,000 spend requirement. 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All employee card(s) eligible Net Purchases will count towards the $5,000 spend requirement. Please allow 1-2 statement billing cycles for your bonus points to be credited to your account. This offer may not be combined with any other credit card bonus offer. Subject to credit approval. Maximum Point value applies to Points redeemed for a deposit into an eligible U.S. Bank Account or statement credit. The redemption value may be different if you choose to redeem your Points for other rewards such as travel, merchandise, and/or gift cards. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice.","qualificationConditions":[],"qualificationConditionSources":[]}],"cardRewards":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T11:00:00.433Z","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"2d1b24f907fd3ef4c6270093c3a1d035","pageNumber":null,"quote":"Cash back rewards are earned under the U.S. Bank Business Essentials™ Visa® Card program.  These rewards are earned as “Points” and you will earn 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"card_reward"},{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"f05d81c803716710b9f1c23d71667e0b","pageNumber":null,"quote":"Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certai…","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"cf72624d9f3297f1fd4b16be02cc09ed","pageNumber":null,"quote":"Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. 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Upon approval, please refer to the Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into "],"qualificationConditionSources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"f05d81c803716710b9f1c23d71667e0b","pageNumber":null,"quote":"Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certai…","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"cf72624d9f3297f1fd4b16be02cc09ed","pageNumber":null,"quote":"Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. 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Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lotter…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"0705a4d7c0882c9ae6eeca7f11aa282c","pageNumber":null,"quote":"for additional information. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchas…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:1"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"5e727101c6d36c284f94ccc71c35d75d","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as for gift cards or travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:2"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"9edd81166205fc0d1d205fdaf3ecd30c","pageNumber":null,"quote":"Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Business Essentials Earning Bonus tier that applies to your card account when you make the return or receive the credit.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:3"}],"groupKey":"rewards","tierKey":"base-points","groupLabel":"Rewards","pointsPerDollar":2,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":[],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_disclosed","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":"not_disclosed","conditions":"Cash back rewards are earned under the U.S. Bank Business Essentials™ Visa® Card program.  These rewards are earned as “Points” and you will earn 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).","qualificationConditions":["Rewards are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to the Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into "," for additional information. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.","To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as for gift cards or travel, may be at a reduced redemption rate.","Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Business Essentials Earning Bonus tier that applies to your card account when you make the return or receive the credit."],"qualificationConditionSources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"ea259e6398e91c1d938709f1d75c95cb","pageNumber":null,"quote":"Rewards are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lotter…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"0705a4d7c0882c9ae6eeca7f11aa282c","pageNumber":null,"quote":"for additional information. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchas…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:1"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"5e727101c6d36c284f94ccc71c35d75d","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as for gift cards or travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:2"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"9edd81166205fc0d1d205fdaf3ecd30c","pageNumber":null,"quote":"Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Business Essentials Earning Bonus tier that applies to your card account when you make the return or receive the credit.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:3"}]}],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"source-detail-224","reason":"unparsed_value","detail":"You can earn up to 2.5% total cash back, achieved by adding together the unlimited 2% cash back and 0.5% Business Essentials Earning Bonus which is earned on your first $10,000 in eligible Net Purchases each billing cycle when paired with a qualified U.S. Bank business checking account and qualifying balances.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"93abbcc0a46c3ef662e50d6c81860727","pageNumber":null,"quote":"You can earn up to 2.5% total cash back, achieved by adding together the unlimited 2% cash back and 0.5% Business Essentials Earning Bonus which is earned on your first $10,000 in eligible Net Purchases each billing cycle when paired with a qualified U.S. Bank business checking account and qualifying balances.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-224"}]},{"observationKind":"card_offer","fieldKey":"source-detail-287","reason":"unparsed_value","detail":"You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus except as described below. Please allow 1-2 statement billing cycles for Points to be credited to your account.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"cd8f8c38b0f8f9cfc4109e5805141845","pageNumber":null,"quote":"You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus except as described below. Please allow 1-2 statement billing cycles for Points to be credited to your account.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-287"}]},{"observationKind":"card_offer","fieldKey":"source-detail-294","reason":"unparsed_value","detail":"Have a “Qualifying Balance” of $10,000 or more with U.S. Bank in a Qualifying Business Checking Account. Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"b7911f99eccc12d515f4a112cd1af488","pageNumber":null,"quote":"Have a “Qualifying Balance” of $10,000 or more with U.S. Bank in a Qualifying Business Checking Account. Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-294"}]},{"observationKind":"card_offer","fieldKey":"source-detail-301","reason":"unparsed_value","detail":"Business Essentials Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle. Eligible Net Purchases over $10,000 during each Card billing cycle will earn the base earn of 2 Points per $1 spent in Net Purchases.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"0bf0c2e6d64035f4b1990a6c35927209","pageNumber":null,"quote":"Business Essentials Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle. Eligible Net Purchases over $10,000 during each Card billing cycle will earn the base earn of 2 Points per $1 spent in Net Purchases.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-301"}]},{"observationKind":"card_offer","fieldKey":"source-detail-302","reason":"unparsed_value","detail":"Not all Purchases are eligible to earn the Business Essentials Earning Bonus: Purchases classified as (1) education/school, (2) gift cards (including discount gift card sites), and (3) tax will earn the base of 2 points per $1 spent in Net Purchases and may not earn additional Points for the Business Essentials Earning Bonus. These Purchases are not calculated as part of the $10,000 cap. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"47fcce919559aae5323e70a01e40adfa","pageNumber":null,"quote":"Not all Purchases are eligible to earn the Business Essentials Earning Bonus: Purchases classified as (1) education/school, (2) gift cards (including discount gift card sites), and (3) tax will earn the base of 2 points per $1 spent in Net Purchases and may not earn additional Points for the Business Essentials Earning Bonus. These Purchases are not calculated as part of the $10,000 cap. Each mer…","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-302"}]},{"observationKind":"card_offer","fieldKey":"source-detail-260","reason":"unparsed_value","detail":"Yes. The U.S. Bank Business Essentials™ Visa® Card earns 6% cash back on prepaid hotel and car rentals booked through the Travel Center using your card.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"f3acd63af60fa828603805ba3d8772c1","pageNumber":null,"quote":"Yes. The U.S. Bank Business Essentials™ Visa® Card earns 6% cash back on prepaid hotel and car rentals booked through the Travel Center using your card.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-260"}]},{"observationKind":"card_offer","fieldKey":"source-detail-251","reason":"unparsed_value","detail":" for the first 12 billing cycles. After the introductory period, a variable APR applies.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"bda43a56a242b94bdeed16a7d8ad743c","pageNumber":null,"quote":"for the first 12 billing cycles. After the introductory period, a variable APR applies.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-251"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-363","reason":"unparsed_value","detail":"You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus except as described below. Please allow 1-2 statement billing cycles for Points to be credited to your account.","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"a106a1ccdb212d7ccf0ad8e6744199d9","pageNumber":null,"quote":"You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus except as described below. Please allow 1-2 statement billing cycles for Points to be credited to your account.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-363"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-364","reason":"unparsed_value","detail":"Business Essentials Earn Bonus qualifications:","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"b07047bb021a50d7fcdb13bb5f08910a","pageNumber":null,"quote":"Business Essentials Earn Bonus qualifications:","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-364"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-365","reason":"unparsed_value","detail":"Have an existing checking account, or open a new checking account with a minimum opening deposit of $25, in one of the following “Qualifying Business Checking Accounts”: ","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"bf453c70880bdf812ec1ad11f7a45e81","pageNumber":null,"quote":"Have an existing checking account, or open a new checking account with a minimum opening deposit of $25, in one of the following “Qualifying Business Checking Accounts”:","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-365"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-366","reason":"unparsed_value","detail":"U.S. Bank Business Essentials®","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"8434e593acf61609588edfda60528ee0","pageNumber":null,"quote":"U.S. Bank Business Essentials®","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-366"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-367","reason":"unparsed_value","detail":"U.S. Bank Gold Business Checking","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"d6567f4148a62a24b1b09f83c0f628ba","pageNumber":null,"quote":"U.S. Bank Gold Business Checking","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-367"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-368","reason":"unparsed_value","detail":"Gold Business Checking with Interest","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"196a7191c9ad1c4997ac12b6daff117c","pageNumber":null,"quote":"Gold Business Checking with Interest","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-368"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-369","reason":"unparsed_value","detail":"U.S. Bank Platinum Business Checking","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"043874b146ad7d39ee728ac83453aecd","pageNumber":null,"quote":"U.S. Bank Platinum Business Checking","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-369"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-370","reason":"unparsed_value","detail":"Have a “Qualifying Balance” of $10,000 or more with U.S. Bank in a Qualifying Business Checking Account. Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement.","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"0b526d1fd08888eb1d8a5a3e55e946cd","pageNumber":null,"quote":"Have a “Qualifying Balance” of $10,000 or more with U.S. Bank in a Qualifying Business Checking Account. Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-370"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-377","reason":"unparsed_value","detail":"Business Essentials Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle. Eligible Net Purchases over $10,000 during each Card billing cycle will earn the base earn of 2 Points per $1 spent in Net Purchases.","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"2412a2a38cffb9f350d16bc02ba69774","pageNumber":null,"quote":"Business Essentials Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle. Eligible Net Purchases over $10,000 during each Card billing cycle will earn the base earn of 2 Points per $1 spent in Net Purchases.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-377"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-378","reason":"unparsed_value","detail":"Not all Purchases are eligible to earn the Business Essentials Earning Bonus: Purchases classified as (1) education/school, (2) gift cards (including discount gift card sites), and (3) tax will earn the base of 2 points per $1 spent in Net Purchases and may not earn additional Points for the Business Essentials Earning Bonus. These Purchases are not calculated as part of the $10,000 cap. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"1525027ff3f1e71110303d2dd3d48138","pageNumber":null,"quote":"Not all Purchases are eligible to earn the Business Essentials Earning Bonus: Purchases classified as (1) education/school, (2) gift cards (including discount gift card sites), and (3) tax will earn the base of 2 points per $1 spent in Net Purchases and may not earn additional Points for the Business Essentials Earning Bonus. These Purchases are not calculated as part of the $10,000 cap. Each mer…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-378"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-383","reason":"unparsed_value","detail":"The Business Essentials Earning Bonus tier that is applied to your U.S. Bank Business Essentials credit card account is determined based upon the Qualifying Balance (as described above).","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"85d40078f927a653a03a0f7408d0a833","pageNumber":null,"quote":"The Business Essentials Earning Bonus tier that is applied to your U.S. Bank Business Essentials credit card account is determined based upon the Qualifying Balance (as described above).","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-383"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-384","reason":"unparsed_value","detail":"\nIf your daily Qualifying Balance qualifies you for a tier upgrade or downgrade, you will be moved to the higher or lower tier (within 5 business days).  This means that the bonus tier that will be applied to your account may vary during a Card billing cycle.  The Business Essentials Earning Bonus is applied based on the Purchase transaction date using the effective tier value determined as of the date the transaction posts. The applicable Business Essentials Earning Bonus tier will be determined by reviewing the Qualifying Balance of the Authorized Officer’s Qualifying Business Checking Accounts. Balances of employee Qualifying Business Checking Accounts will not qualify for determining the Business Essentials Earning Bonus.","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"554c43a1fb81bdf1dfdac008a56aac67","pageNumber":null,"quote":"If your daily Qualifying Balance qualifies you for a tier upgrade or downgrade, you will be moved to the higher or lower tier (within 5 business days).  This means that the bonus tier that will be applied to your account may vary during a Card billing cycle.  The Business Essentials Earning Bonus is applied based on the Purchase transaction date using the effective tier value determined as of the…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-384"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]},"offers":[{"id":"2793","offerKind":"standard","channel":null,"nameAsFiled":"U.S. Bank Business Essentials™ Visa® Credit Card","handle":null,"terms":{"productId":"3977","path":"u-s-bank/business-essentials-visa-credit-card","name":"Business Essentials Visa Credit Card","officialName":"U.S. Bank Business Essentials™ Visa® Credit Card","aliases":[],"institutionId":"69568","institutionName":"U.S. 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The introductory APR does not apply to balance transfers or cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"fd7d4611ad37be9d26d8929619d6ab65","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The introductory APR does not apply to balance transfers or cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"purpose":"purchase","phase":"introductory","creditTier":"all","balanceTier":0,"balanceFromCents":null,"balanceToCents":null,"rateType":null,"rateTypeNullReason":"not_disclosed","minimumBps":0,"minimumBpsNullReason":null,"medianBps":null,"medianBpsNullReason":"not_applicable","maximumBps":0,"maximumBpsNullReason":null,"indexName":null,"marginBps":null,"marginMinimumBps":null,"marginMinimumBpsNullReason":"not_disclosed","marginMaximumBps":null,"marginMaximumBpsNullReason":"not_disclosed","marginMaximumIsUpperBound":null,"dailyPeriodicRateMinimumPercent":null,"dailyPeriodicRateMinimumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumPercent":null,"dailyPeriodicRateMaximumPercentNullReason":"not_disclosed","dailyPeriodicRateMaximumIsUpperBound":null,"rateCapBps":null,"rateCapBpsNullReason":"not_disclosed","penaltyTriggers":null,"penaltyTriggerResolution":null,"penaltyDurationValue":null,"penaltyDurationUnit":null,"durationMonths":null,"durationDays":null,"durationBillingCycles":12,"durationBillingCyclesNullReason":null,"eligibilityConditions":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The introductory APR does not apply to balance transfers or cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances. Balance transfer transactions from other U.S. Bank National Association accounts are not permitted. Balance transfers submitted at time of application will be held for 10 days before processing.","eligibilityConditionSources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"fd7d4611ad37be9d26d8929619d6ab65","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The introductory APR does not apply to balance transfers or cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"apr:purchase:introductory:conditions"}],"statistic":"point","metricSources":{"annual_apr":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"fd7d4611ad37be9d26d8929619d6ab65","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The introductory APR does not apply to balance transfers or cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"apr:purchase:introductory:all:0"}],"daily_periodic_rate":[],"margin":[]}}],"fees":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T11:00:00.433Z","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"point","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"94c1c5d978c8bda01e8ac19a00cebb4c","pageNumber":null,"quote":"$0 fee offer– enjoy great benefits with no annual fee","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"annual_fee"}],"feeType":"annual","feeFrequency":"annual","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_offered","percentBps":null,"percentNullReason":"not_applicable","minimumAmountCents":null,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_applicable","feeScope":"account","calculation":null,"explanation":"$0 fee offer– enjoy great benefits with no annual fee"},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T13:25:26.346Z","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"range","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"fd7d4611ad37be9d26d8929619d6ab65","pageNumber":null,"quote":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The introductory APR does not apply to balance transfers or cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"fee:balance_transfer:1"}],"feeType":"balance_transfer","feeFrequency":"per_transaction","sequence":1,"name":null,"currencyCode":"USD","amountCents":null,"amountNullReason":"not_applicable","percentBps":500,"percentNullReason":null,"minimumAmountCents":500,"maximumAmountCents":null,"maximumPercentBps":null,"maximumPercentNullReason":"not_disclosed","feeScope":"account","calculation":"greater_of","explanation":"The 0% introductory APR applies to purchases and is valid for the first 12 billing cycles. The introductory APR does not apply to balance transfers or cash advances. Balance Transfer fee of 5% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to non-Fixed Payment Program balances in the order of lowest to highest APR before applying to Fixed Payment Program balances. Balance transfer transactions from other U.S. Bank National Association accounts are not permitted. Balance transfers submitted at time of application will be held for 10 days before processing."}],"cardTerms":null,"partialCardNetwork":{"network":"visa","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"50f34debfc7c783269fbfc9d82ce91b5","pageNumber":null,"quote":"U.S. Bank Business Essentials™ Visa® Card","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"network"}]},"signupBonuses":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T11:00:00.433Z","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"2ea7cf4db6dfe72ca328d2022a4754f2","pageNumber":null,"quote":"New Credit Card Enrollment Bonus: One-time 50,000 bonus points (worth up to $500) will be awarded if eligible Net Purchases (Purchases minus credits and returns) totaling $5,000 or more are made to the account within 150 days from account opening. All employee card(s) eligible Net Purchases will count towards the $5,000 spend requirement. Please allow 1-2 statement billing cycles for your bonus p…","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"signup_bonus"}],"bonusKey":"signup_bonus","qualifyingMonthsAfterAccountOpening":null,"qualifyingMonthsNullReason":"not_applicable","payoutWeeksMinimum":null,"payoutWeeksMaximum":null,"payoutWeeksNullReason":"not_applicable","payoutWeeksAnchor":null,"bonusPoints":50000,"minimumPurchaseCents":500000,"minimumPurchaseNullReason":null,"qualifyingDaysAfterAccountOpening":150,"qualifyingDaysNullReason":null,"statementCreditRedemptionCents":50000,"statementCreditRedemptionNullReason":null,"payoutStatementCyclesMinimum":1,"payoutStatementCyclesMaximum":2,"payoutStatementCyclesNullReason":null,"expirationOn":null,"expirationNullReason":"not_disclosed","conditions":"New Credit Card Enrollment Bonus: One-time 50,000 bonus points (worth up to $500) will be awarded if eligible Net Purchases (Purchases minus credits and returns) totaling $5,000 or more are made to the account within 150 days from account opening. All employee card(s) eligible Net Purchases will count towards the $5,000 spend requirement. Please allow 1-2 statement billing cycles for your bonus points to be credited to your account. This offer may not be combined with any other credit card bonus offer. Subject to credit approval. Maximum Point value applies to Points redeemed for a deposit into an eligible U.S. Bank Account or statement credit. The redemption value may be different if you choose to redeem your Points for other rewards such as travel, merchandise, and/or gift cards. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice.","qualificationConditions":[],"qualificationConditionSources":[]}],"cardRewards":[{"effectiveFrom":"2026-10-13","effectiveTo":null,"lastObservedAt":"2026-10-13T11:00:00.433Z","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"2d1b24f907fd3ef4c6270093c3a1d035","pageNumber":null,"quote":"Cash back rewards are earned under the U.S. Bank Business Essentials™ Visa® Card program.  These rewards are earned as “Points” and you will earn 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"card_reward"},{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"f05d81c803716710b9f1c23d71667e0b","pageNumber":null,"quote":"Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certai…","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"cf72624d9f3297f1fd4b16be02cc09ed","pageNumber":null,"quote":"Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to the Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"card_reward:qualification:1"}],"groupKey":"purchase-rewards","tierKey":"base-points","groupLabel":"All purchases","pointsPerDollar":2,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":[],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_disclosed","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":"not_disclosed","conditions":"Cash back rewards are earned under the U.S. Bank Business Essentials™ Visa® Card program.  These rewards are earned as “Points” and you will earn 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).","qualificationConditions":["Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items.","Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to the Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into "],"qualificationConditionSources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"f05d81c803716710b9f1c23d71667e0b","pageNumber":null,"quote":"Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certai…","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"cf72624d9f3297f1fd4b16be02cc09ed","pageNumber":null,"quote":"Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to the Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"card_reward:qualification:1"}]},{"effectiveFrom":"2026-10-03","effectiveTo":null,"lastObservedAt":"2026-10-03T13:25:26.346Z","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"d67112a2025db0d04b32a512c0830970","pageNumber":null,"quote":"Cash back rewards are earned under the U.S. Bank Business Essentials™ Visa® Card program.  These rewards are earned as “Points” and you will earn 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"ea259e6398e91c1d938709f1d75c95cb","pageNumber":null,"quote":"Rewards are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lotter…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"0705a4d7c0882c9ae6eeca7f11aa282c","pageNumber":null,"quote":"for additional information. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchas…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:1"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"5e727101c6d36c284f94ccc71c35d75d","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as for gift cards or travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:2"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"9edd81166205fc0d1d205fdaf3ecd30c","pageNumber":null,"quote":"Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Business Essentials Earning Bonus tier that applies to your card account when you make the return or receive the credit.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:3"}],"groupKey":"rewards","tierKey":"base-points","groupLabel":"Rewards","pointsPerDollar":2,"merchantCategoryCodes":[],"merchantCategoryCodesNullReason":"not_disclosed","categoryComplement":false,"redemptionOptions":[],"minimumQualifyingPurchaseCents":null,"minimumPurchaseNullReason":"not_disclosed","maximumQualifyingPurchaseCents":null,"maximumPurchaseNullReason":"not_disclosed","qualificationPeriod":null,"qualificationPeriodNullReason":"not_disclosed","pointsPostingMaximumDays":null,"pointsPostingNullReason":"not_disclosed","pointsExpirationYears":null,"pointsExpirationAnchor":null,"pointsExpirationPolicy":null,"pointsRedemptionDaysAfterClosure":null,"pointsRedemptionAfterClosureNullReason":"not_disclosed","pointsExpirationNullReason":"not_disclosed","redemptionOptionsNullReason":"not_disclosed","conditions":"Cash back rewards are earned under the U.S. Bank Business Essentials™ Visa® Card program.  These rewards are earned as “Points” and you will earn 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns).","qualificationConditions":["Rewards are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to the Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into "," for additional information. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.","To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as for gift cards or travel, may be at a reduced redemption rate.","Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Business Essentials Earning Bonus tier that applies to your card account when you make the return or receive the credit."],"qualificationConditionSources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"ea259e6398e91c1d938709f1d75c95cb","pageNumber":null,"quote":"Rewards are earned on eligible Net Purchases. Net Purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lotter…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:0"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"0705a4d7c0882c9ae6eeca7f11aa282c","pageNumber":null,"quote":"for additional information. Each merchant’s business is identified by a category code established by Visa and Mastercard. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchas…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:1"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"5e727101c6d36c284f94ccc71c35d75d","pageNumber":null,"quote":"To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as for gift cards or travel, may be at a reduced redemption rate.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:2"},{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":"term","documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"9edd81166205fc0d1d205fdaf3ecd30c","pageNumber":null,"quote":"Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Business Essentials Earning Bonus tier that applies to your card account when you make the return or receive the credit.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"card_reward:qualification:3"}]}],"cashBenefits":[],"cardLinks":[],"cardWithholdings":[{"observationKind":"card_offer","fieldKey":"source-detail-224","reason":"unparsed_value","detail":"You can earn up to 2.5% total cash back, achieved by adding together the unlimited 2% cash back and 0.5% Business Essentials Earning Bonus which is earned on your first $10,000 in eligible Net Purchases each billing cycle when paired with a qualified U.S. Bank business checking account and qualifying balances.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"93abbcc0a46c3ef662e50d6c81860727","pageNumber":null,"quote":"You can earn up to 2.5% total cash back, achieved by adding together the unlimited 2% cash back and 0.5% Business Essentials Earning Bonus which is earned on your first $10,000 in eligible Net Purchases each billing cycle when paired with a qualified U.S. Bank business checking account and qualifying balances.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-224"}]},{"observationKind":"card_offer","fieldKey":"source-detail-287","reason":"unparsed_value","detail":"You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus except as described below. Please allow 1-2 statement billing cycles for Points to be credited to your account.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"cd8f8c38b0f8f9cfc4109e5805141845","pageNumber":null,"quote":"You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus except as described below. Please allow 1-2 statement billing cycles for Points to be credited to your account.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-287"}]},{"observationKind":"card_offer","fieldKey":"source-detail-294","reason":"unparsed_value","detail":"Have a “Qualifying Balance” of $10,000 or more with U.S. Bank in a Qualifying Business Checking Account. Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"b7911f99eccc12d515f4a112cd1af488","pageNumber":null,"quote":"Have a “Qualifying Balance” of $10,000 or more with U.S. Bank in a Qualifying Business Checking Account. Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-294"}]},{"observationKind":"card_offer","fieldKey":"source-detail-301","reason":"unparsed_value","detail":"Business Essentials Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle. Eligible Net Purchases over $10,000 during each Card billing cycle will earn the base earn of 2 Points per $1 spent in Net Purchases.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"0bf0c2e6d64035f4b1990a6c35927209","pageNumber":null,"quote":"Business Essentials Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle. Eligible Net Purchases over $10,000 during each Card billing cycle will earn the base earn of 2 Points per $1 spent in Net Purchases.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-301"}]},{"observationKind":"card_offer","fieldKey":"source-detail-302","reason":"unparsed_value","detail":"Not all Purchases are eligible to earn the Business Essentials Earning Bonus: Purchases classified as (1) education/school, (2) gift cards (including discount gift card sites), and (3) tax will earn the base of 2 points per $1 spent in Net Purchases and may not earn additional Points for the Business Essentials Earning Bonus. These Purchases are not calculated as part of the $10,000 cap. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"47fcce919559aae5323e70a01e40adfa","pageNumber":null,"quote":"Not all Purchases are eligible to earn the Business Essentials Earning Bonus: Purchases classified as (1) education/school, (2) gift cards (including discount gift card sites), and (3) tax will earn the base of 2 points per $1 spent in Net Purchases and may not earn additional Points for the Business Essentials Earning Bonus. These Purchases are not calculated as part of the $10,000 cap. Each mer…","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-302"}]},{"observationKind":"card_offer","fieldKey":"source-detail-260","reason":"unparsed_value","detail":"Yes. The U.S. Bank Business Essentials™ Visa® Card earns 6% cash back on prepaid hotel and car rentals booked through the Travel Center using your card.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"f3acd63af60fa828603805ba3d8772c1","pageNumber":null,"quote":"Yes. The U.S. Bank Business Essentials™ Visa® Card earns 6% cash back on prepaid hotel and car rentals booked through the Travel Center using your card.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-260"}]},{"observationKind":"card_offer","fieldKey":"source-detail-251","reason":"unparsed_value","detail":" for the first 12 billing cycles. After the introductory period, a variable APR applies.","sources":[{"snapshotId":"50203","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-13T11:00:00.433Z","effectiveOn":"2026-10-13","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards/business-essentials-credit-card.html","passageId":"bda43a56a242b94bdeed16a7d8ad743c","pageNumber":null,"quote":"for the first 12 billing cycles. After the introductory period, a variable APR applies.","recordId":"official-issuer:page:url:255faa95af2f385893e06cca358d14889d0a4745576c48e4ac3747c094dfd407","recordFields":[],"fieldKey":"withheld:card_offer:source-detail-251"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-363","reason":"unparsed_value","detail":"You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus except as described below. Please allow 1-2 statement billing cycles for Points to be credited to your account.","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"a106a1ccdb212d7ccf0ad8e6744199d9","pageNumber":null,"quote":"You will earn 2.5 Points (2 base and 0.5 additional Point) for every $1 in eligible Net Purchases spent when you qualify for the Business Essentials Earning Bonus except as described below. Please allow 1-2 statement billing cycles for Points to be credited to your account.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-363"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-364","reason":"unparsed_value","detail":"Business Essentials Earn Bonus qualifications:","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"b07047bb021a50d7fcdb13bb5f08910a","pageNumber":null,"quote":"Business Essentials Earn Bonus qualifications:","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-364"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-365","reason":"unparsed_value","detail":"Have an existing checking account, or open a new checking account with a minimum opening deposit of $25, in one of the following “Qualifying Business Checking Accounts”: ","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"bf453c70880bdf812ec1ad11f7a45e81","pageNumber":null,"quote":"Have an existing checking account, or open a new checking account with a minimum opening deposit of $25, in one of the following “Qualifying Business Checking Accounts”:","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-365"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-366","reason":"unparsed_value","detail":"U.S. Bank Business Essentials®","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"8434e593acf61609588edfda60528ee0","pageNumber":null,"quote":"U.S. Bank Business Essentials®","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-366"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-367","reason":"unparsed_value","detail":"U.S. Bank Gold Business Checking","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"d6567f4148a62a24b1b09f83c0f628ba","pageNumber":null,"quote":"U.S. Bank Gold Business Checking","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-367"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-368","reason":"unparsed_value","detail":"Gold Business Checking with Interest","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"196a7191c9ad1c4997ac12b6daff117c","pageNumber":null,"quote":"Gold Business Checking with Interest","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-368"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-369","reason":"unparsed_value","detail":"U.S. Bank Platinum Business Checking","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"043874b146ad7d39ee728ac83453aecd","pageNumber":null,"quote":"U.S. Bank Platinum Business Checking","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-369"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-370","reason":"unparsed_value","detail":"Have a “Qualifying Balance” of $10,000 or more with U.S. Bank in a Qualifying Business Checking Account. Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement.","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"0b526d1fd08888eb1d8a5a3e55e946cd","pageNumber":null,"quote":"Have a “Qualifying Balance” of $10,000 or more with U.S. Bank in a Qualifying Business Checking Account. Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-370"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-377","reason":"unparsed_value","detail":"Business Essentials Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle. Eligible Net Purchases over $10,000 during each Card billing cycle will earn the base earn of 2 Points per $1 spent in Net Purchases.","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"2412a2a38cffb9f350d16bc02ba69774","pageNumber":null,"quote":"Business Essentials Earning Bonus applies to a maximum of $10,000 in eligible Net Purchases each Card billing cycle. Eligible Net Purchases over $10,000 during each Card billing cycle will earn the base earn of 2 Points per $1 spent in Net Purchases.","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-377"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-378","reason":"unparsed_value","detail":"Not all Purchases are eligible to earn the Business Essentials Earning Bonus: Purchases classified as (1) education/school, (2) gift cards (including discount gift card sites), and (3) tax will earn the base of 2 points per $1 spent in Net Purchases and may not earn additional Points for the Business Essentials Earning Bonus. These Purchases are not calculated as part of the $10,000 cap. Each merchant’s business is identified by a category code established by Visa. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants’ businesses and reserve the right to determine which Purchases qualify for additional rewards.","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"1525027ff3f1e71110303d2dd3d48138","pageNumber":null,"quote":"Not all Purchases are eligible to earn the Business Essentials Earning Bonus: Purchases classified as (1) education/school, (2) gift cards (including discount gift card sites), and (3) tax will earn the base of 2 points per $1 spent in Net Purchases and may not earn additional Points for the Business Essentials Earning Bonus. These Purchases are not calculated as part of the $10,000 cap. Each mer…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-378"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-383","reason":"unparsed_value","detail":"The Business Essentials Earning Bonus tier that is applied to your U.S. Bank Business Essentials credit card account is determined based upon the Qualifying Balance (as described above).","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"85d40078f927a653a03a0f7408d0a833","pageNumber":null,"quote":"The Business Essentials Earning Bonus tier that is applied to your U.S. Bank Business Essentials credit card account is determined based upon the Qualifying Balance (as described above).","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-383"}]},{"observationKind":"card_reward","fieldKey":"rewards-detail-384","reason":"unparsed_value","detail":"\nIf your daily Qualifying Balance qualifies you for a tier upgrade or downgrade, you will be moved to the higher or lower tier (within 5 business days).  This means that the bonus tier that will be applied to your account may vary during a Card billing cycle.  The Business Essentials Earning Bonus is applied based on the Purchase transaction date using the effective tier value determined as of the date the transaction posts. The applicable Business Essentials Earning Bonus tier will be determined by reviewing the Qualifying Balance of the Authorized Officer’s Qualifying Business Checking Accounts. Balances of employee Qualifying Business Checking Accounts will not qualify for determining the Business Essentials Earning Bonus.","sources":[{"snapshotId":"33611","sourceKind":"official_issuer","publisherName":"U.S. Bank National Association","capturedAt":"2026-10-03T13:25:26.346Z","effectiveOn":"2026-10-03","effectiveOnBasis":"page_capture","statistic":null,"documentPath":null,"documentTitle":null,"publicUrl":"https://www.usbank.com/business-banking/business-credit-cards.html","passageId":"554c43a1fb81bdf1dfdac008a56aac67","pageNumber":null,"quote":"If your daily Qualifying Balance qualifies you for a tier upgrade or downgrade, you will be moved to the higher or lower tier (within 5 business days).  This means that the bonus tier that will be applied to your account may vary during a Card billing cycle.  The Business Essentials Earning Bonus is applied based on the Purchase transaction date using the effective tier value determined as of the…","recordId":"official-issuer:page:url:d0e0515834003e8f11085d72d61b8efb1183582349f7e63592b066f27477db1f","recordFields":[],"fieldKey":"withheld:card_reward:rewards-detail-384"}]}],"balanceTransferTerms":[],"loanTerms":null,"loanRateTiers":[],"rateDiscounts":[],"loanWithholdings":[]}],"documents":[]}}