U.S. Bank Business Select Rewards
The U.S. Bank Business Select Rewards from U.S. Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the U.S. Bank Business Select Rewards earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 3x points | 3% |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
Madeen values U.S. Bank FlexPoints at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the U.S. Bank Business Select Rewards reward caps and conditions?
The U.S. Bank Business Select Rewards has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 3 points for every $1 spent on eligible net purchases at merchant locations in one of three categories chosen at the time of application: Travel & entertainment – Including airlines, hotels, car rental providers, restaurants and travel agencies
- Earn 3 points for every $1 spent on eligible net purchases at merchant locations in one of three categories chosen at the time of application: Automotive expenses – Including gas, service and electric vehicle charging stations, tire shops, car dealerships, car wash facilities, toll gates and car repair establishments
Who should get the U.S. Bank Business Select Rewards?
The U.S. Bank Business Select Rewards fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
U.S. Bank Business Select Rewards fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 66% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points.
Foreign transaction fees make it weaker for international spend.
Worth a look for dining spend if you need a business card and can use U.S. Bank FlexPoints the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $2 foreign transaction fees.
- U.S. Bank FlexPoints value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
Does the U.S. Bank Business Select Rewards have an annual fee, and what's the welcome bonus?
The U.S. Bank Business Select Rewards has an annual fee of $0 and a foreign transaction fee of $2. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $2
Common questions about the U.S. Bank Business Select Rewards
Does the U.S. Bank Business Select Rewards have an annual fee?
The U.S. Bank Business Select Rewards carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the U.S. Bank Business Select Rewards?
Dining is the strongest Madeen category for the U.S. Bank Business Select Rewards at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the U.S. Bank Business Select Rewards charge foreign transaction fees?
The U.S. Bank Business Select Rewards charges a foreign transaction fee of $2 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the U.S. Bank Business Select Rewards?
Madeen's catalog lists a typical credit range of Good for the U.S. Bank Business Select Rewards. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the U.S. Bank Business Select Rewards?
Rewards on the U.S. Bank Business Select Rewards post as U.S. Bank FlexPoints. Redemption value depends on how you use U.S. Bank FlexPoints (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the U.S. Bank Business Select Rewards?
To maximize the U.S. Bank Business Select Rewards, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the U.S. Bank Business Select Rewards compare to similar cards?
Compare the U.S. Bank Business Select Rewards against U.S. Bank Altitude Go Visa Signature (4% on Dining, $0 fee); SKYPASS Select Visa Signature (3.2% on Dining, $450 fee); SKYPASS Visa Signature (3.2% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
U.S. Bank Business Select Rewards This card | Dining | 3% | $0 |
U.S. Bank | Dining | 4% | $0 |
U.S. Bank | Dining | 3.2% | $450 |
U.S. Bank | Dining | 3.2% | $99 |
U.S. Bank | Dining | 3.2% | $99 |
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