2x points automatically in your top two spending categories each month.
Rates, fees and offers
- Regular APR
- Variable APR; see U.S. Bank's rates and terms.
- Annual fee
- $95
- Promo offers
- $0 annual fee the first year, then $95.
- Balance transfer fee
- See issuer terms
- Rewards
- 2x points in your top two of 48 spending categories each month; 1x everything else.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
A business card: you are usually personally liable, and some consumer protections (like the CARD Act's rate-increase rules) may not apply.
Paying and contacting U.S. Bank
- Customer service
- 1-800-285-8585 · 24 hours (24-Hour Cardmember Service)
- Pay by mail
-
The issuer doesn’t publish one address for everyone. Use the payment address printed on your statement.
- Billing disputes
- Cardmember Service
P.O. Box 6335
Fargo, ND 58125-6335
See all U.S. Bank cards → · Search all cards
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