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.
Ace Rewards® Visa® Business 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, physical 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 Ace Rewards® Visa® Business Card
Annual Percentage Rate (APR) for Purchases Ace Rewards Visa Business: 13.99% to 22.99% 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 Ace Rewards Visa Business: 13.99% to 22.99% 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 Ace Rewards Visa Business: 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 Ace Rewards® Visa® Business Card
Annual Fee
Annual Membership Fee
None
Transaction Fees
Balance Transfer
Either 3% 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 $5 minimum, whichever is greater.
Cash Advance
Either 4% of the amount of each advance or $5 minimum, whichever is greater.
Cash Equivalent Advance
Either 4% of the amount of each advance or $10 minimum, whichever is greater.
Overdraft Protection
None
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 $39
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 1-866-951-3871 (TDD 1-888-352-6455) for any changes
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 an Ace Rewards Visa Business Card.  We need such consumer reports because Business Owner is 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 Ace Rewards Visa Business Card, the Business Owner requests and directs us to open an Ace Rewards Visa Business Card Account ("Account") and to issue Ace Rewards Visa Business Cards ("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 each individual Employee applicant understand and agree that the Business, the Business Owner, and the individual Employees will be liable for charges to the Account as follows:  1) the Business is jointly and severally liable with each individual Employee as to that individual Employee's charges; 2) the Business Owner and each individual Employee is individually liable as to their respective individual charges; and 3) the Business Owner is individually liable and jointly liable with the Business for all charges made to 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 an Ace Rewards Visa Business 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 applying for credit, you are also requesting enrollment into the Ace Rewards Loyalty program, and you agree that U.S. Bank may share your name, address and telephone number to Ace for that purpose if your application is approved.  If you are granted an Account, you understand and agree that we will report that fact, your name, address, email address, phone number and (if captured) birth date and information about your ongoing account activity to Ace, but will not disclose to Ace any other information about you taken from this application or received from third parties.  By submitting this application, you certify that you read and understand the disclosures here and you agree to the terms of this application.
 
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 Ace Rewards Visa 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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