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FlexPerks Business Credit Card
US+Bank FlexPerks+Business+Cash+Rewards+Visa Credit Card

(3/5 - 7 Votes)
Net Annual Rewards
$252
of Cash
Reward Rate
1.00%
Annual Fee
$0 the first year, then $25
Signing Promo
None
APR, variable*
Min APR:
11.99%
Max APR:
17.99%
Default:
28.99%
Cash Adv:
20.99%
Intro APR Promotions
Purchase:
0% for 6 mos
Transfer:
None
Summary
  • Earn 1% on purchases
  • 3x on wireless, gas, office supplies
Credit Card Review: FlexPerks Business Credit Card

Verdict – If you spend more on restaurants and home improvement stores than wireless bills, the Chase Ink Cash Business is a better card.

The Cash Rewards Visa Business Platinum is very similar to the Chase Ink Cash, in that they both offer 3% back on gas and office supplies, and have almost identical APRs. However, the US Bank FlexPerks Business Cash Rewards card falls short in other departments – it has a $25 annual fee after the first year, and does not offer 3% back on restaurants and home improvement stores. On the other hand, it has an advantage over the Chase card because it offers 3% back on cellular bills. So if you spend a lot more on restaurants and home improvement than cellular bills, go for the Chase card.

Reward redemption is fairly straight forward for the FlexPerks. Every time you earn $25 in rewards, you can either get a statement credit or check from US Bank, and rewards never expire.

An added bonus feature of this card is that at the end of each year, when you renew the card, you will get a bonus reward equal to the lesser of 25% of the previous year’s reward, or $250.

Compare To Our Most Popular Cards For The Category

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Compare To Capital One® Spark℠ Miles for Business

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Reward Details & Calculator

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Rewards Type: Cash

Signing Promotion
$0
Estimated Annual Rewards
$21,600 * 1.22%
$264
Annual Fee, 2 yr avg
$13
Annual Rewards (Rewards less Fees)
$252

Calculate Interest & Finance Charges

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Use the sliders to the left to calculate balance transfer interest and APR interest for this particular card.

Finance Charge, Balance Transfer of $10,000*

Balance Transfer Fee, 3.0%
$300
APR, 24 months
$2,776
Total
$3,076

*Average APR for Balance Transfers of 13.5% includes transfer fees and APR promotions.

Effective Annual Rate, Purchases

Promo EAR, 6 months
0.00%
Ongoing EAR, 18 months
12.67%
Total EAR, 24 months
9.36%

APR Rankings

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APR
11.99%
ranks #1016 out of 1750 cards.
Average is 11.76%.
Balance Transfer Fee
3%
ranks #888 out of 1640 cards.
Average is 1.75%.
Cash Advance APR
20.99%
ranks #520 out of 1016 cards.
Average is 18.81%.

Rewards Rankings

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Annual Fee
$25
ranks #1562 out of 1794 cards.
Average is $9.
Base Reward Rate
1%
ranks #67 out of 935 cards.
Average is 0.99%.
Effective Reward Rate
N/A
Sign-up Bonus
$0
ranks #1783 out of 1783 cards.
Average is $28.

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*Disclaimer: We try to keep information accurate and up to date, however we cannot make warranties regarding the accuracy of our information. Please verify FDIC Insurance / NCUA Insurance status, credit card information, and interest rates during the application process.