The application process will take 5 -10 minutes to complete. You will need to provide your Social Security Number to complete the application.

Our privacy policy allows personal information to be displayed for 15 minutes of inactivity. After 15 minutes of inactivity your personal information will not be kept and you will be asked to start your application process over. We apologize for any inconvenience this may cause you.

Application Next Steps
Step 1: View the Application Terms and Conditions
Terms and Conditions must be reviewed and accepted before the application process can continue.
Step 2: Complete Application
Please accurately complete the requested information on the following screens.
Step 3: Submit Application
Upon submission of your application, you should receive a decision within minutes. Please remain online to receive your final decision and information about product acceptance.
Terms and Conditions
Terms and Conditions must be reviewed and accepted before the application process can continue.
U.S. Bank Business Edge Cash Rewards Card Terms and Conditions
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.

We may change APRs, fees, and other Account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

We apply your payments to balances with lower APRs first.

Disclosure of Credit Card Terms
Interest Rates and Interest Charges U.S. Bank Business Edge Cash Rewards Card
Annual Percentage Rate (APR) for Purchases 0.00% Promotional APR on qualifying Purchases for first 9 billing cycles.1  After that, and for all non-qualifying purchases,  
Business Edge Cash Rewards Card: 11.99% to 17.99% based on your creditworthiness when you open your account.
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Business Edge Cash Rewards Card: 11.99% to 17.99% based on your creditworthiness when you open your account.
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances Business Edge Cash Rewards Card: 23.99%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies 28.99%      This APR will vary with the market based on the Prime Rate.
This APR may be applied to your account if you:
1) Make payments 5 calendar days late twice or 30 calendar days late once; or
2) Make a payment that is returned; or
3) If you exceed your Credit Limit 2 times in 12 consecutive months.
How Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make 6 consecutive minimum payments when due and do not exceed your Credit Limit during that time period.
How to Avoid Paying Interest on Purchases Your due date is 24 - 30 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $2.
Fees U.S. Bank Business Edge Cash Rewards Card
Annual Fee
Annual Membership Fee
None
Transaction Fees
Balance Transfer
An introductory fee of either 3% of the amount of each transfer or $5 minimum, whichever is greater. After that, either 4% of the amount of each transfer or $5 minimum, whichever is greater.
Convenience Check Cash Advance
Either 3% of the amount of each advance or $5 minimum, whichever is greater.
Cash Advance ATM
Either 4% of the amount of each advance or $10 minimum, whichever is greater.
Cash Advance
Either 4% of the amount of each advance or $10 minimum, whichever is greater.
Cash Equivalent Advance
Either 4% of the amount of each advance or $20 minimum, whichever is greater.
Overdraft Protection
Either 3% of the amount of each advance or $10 minimum, whichever is greater.
Foreign Transaction
2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars
3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency
Penalty Fees
Late Payment
$19 on balances up to $100,  $29 on balances from $100 up to $250,  $39 on balances of $250 or more
Returned Payment
Up to $35
Overlimit
Up to $39
How We Will Calculate Your Balance: We use a method called 'average daily balance (including new purchases).'
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Agreement.
Loss of Introductory APR: We may end your introductory APR and apply the standard APR or Penalty APR if you make a late payment, make a payment that is returned, or your account exceeds its Credit Limit.
This information is accurate as of 04/2014 and is subject to change after this date. For current information, please contact U.S. Bank National Association at P.O. Box 6353, Fargo, ND 58125-6353 or call us at 1-866-485-4545 (TDD 1-888-352-6455) for any changes
1The promotional fixed rate applied to qualified Purchases for the first 9 billing cycles is .00000% DPR with a corresponding APR of 0.00%. In order to qualify for this promotional rate, Purchases must post within 279 days of Account opening.
Applicant Statement- Business Owner authorizes U.S. Bank National Association (“we”, “us”, or “our”) to obtain a consumer credit report and a business credit report for use in assessing his/her personal creditworthiness in connection with an application by Company, of which Business Owner is an employee, principal, owner, partner, officer, or guarantor, for a U.S. Bank Business Edge Cash Rewards Card. We need such consumer reports because Business Owner may have direct, contingent, present, or future liability to us for the Company’s obligation in connection with the Account. All applicants agree that, as long as the Account is open, we may obtain credit reports about the applicants from time to time.  We reserve the right to consider the applicant for a lower line of credit if one was requested.  This application must be signed by a Business Owner with authority to bind the Business to the terms of this Application Agreement.  The Business Owner certifies that the execution, delivery and performance of this Application has been authorized by all necessary corporate action by the Business, and will provide evidence of such action upon request.  If the Business is approved for the U.S. Bank Business Edge Cash Rewards Card, the Business Owner requests and directs us to open a U.S. Bank Business Edge Cash Rewards Card (“Account”) and to issue U.S. Bank Business Edge Cash Rewards Card (“Cards”) to any individual Employees of the Business, including the Business Owner, designated by the Business Owner on this Application or its addendum, or by any process agreed to by us and the Business.  The Business Owner and the Business shall be jointly and severally liable for all charges on the Account.  Each applicant understands and agrees that we may increase or decrease the APR or credit limit assigned to the Account and/or to the Cards within the Account or close the Account at any time based on our credit guidelines, credit report information, Account history, or the financial circumstances of the Cardmember.  At the time the Account is opened, individual Employees, including the Business Owner, will be issued Cards and a U.S. Bank Business Edge Cash Rewards Card  Cardmember Agreement governing individual use of the Account and individual Employee liability for charges to the Account.  By providing us with any telephone number used for a mobile or other wireless device now or in the future, including a number that you later convert to a cell phone number, you are expressly consenting to receiving communications - including but not limited to prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system - from us and our affiliates and agents regardless of the purpose of the communication.  Calls and messages may incur access fees from your cellular provider.  Use of the Card or the Account will signify acceptance of the terms of the Cardmember Agreement, which may be amended from time to time.  All applicants must be at least 18 years old and agree that Accounts will be used primarily for business purposes, and not personal, family, or household purposes.  Information from this Application may be shared with our affiliates.  Cash access is subject to credit approval.
 
By checking the box below and clicking Continue, you acknowledge and agree to the Terms and Conditions.
I accept the Terms and Conditions.
The creditor and issuer of the Card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc., and this card is available to United States residents only.
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