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Card Review

Credit CardUS Bank

Business Essentials Plus

Annual Fee

$295Charged Yearly

Welcome Bonus

1,000 pts welcome offer

EST. Net Value

$216/yr

Credit Score

Varies

Top Earn Rate

2% dining

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Last updated October 12, 2026 | Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly).
Verify current terms on the issuer site.

Advertiser disclosure:
Flo may receive compensation from card issuers when you click “Apply” and are approved. This does not affect our rankings or calculator math. Read our advertising policy and methodology.

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Dining

2%

Travel

2%

Groceries

2%

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Business Essentials Plus from US Bank carries a $295 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $511.20 in rewards plus $0.00 in credits and perks — $216.20 net per year before welcome bonuses.

How the points work

2% cash back on everything; 5% on your top eligible category each month (first $200,000 a year); 10% on prepaid hotels and car rentals in the U.S. Bank Travel Center

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate
  • Dining
    2%
  • Travel
    2%
  • TravelFlights
    2%
  • TravelHotels
    2%
  • Groceries
    2%
  • GasGas & Transit
    2%
  • EntertainmentStreaming
    2%
  • Everything elseShopping
    2%
  • Everything elseOther
    2%

Welcome offer

1,000 points

  • Spend $15,000 in 150 days
  • Est. value: $10 (WalletFlo catalog)

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

  • No statement credits listed for this card

Benefits

  • Metal card

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$295
Stated credits+$0
Perks (est.)+$0
Net after credits & perks-$295

Verdict

Fee exceeds stated credits & perks

You'll need enough rewards on your spend to cover the gap — model that below.

Full AnalysisRewards Calculator

Flo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward Calculator

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Side by Side Compare

Compare against another card with the same spend profile.

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Is the Annual Fee Worth it?

See if credits and perks offset the annual fee.

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Points & Miles → $ Converter

Convert points and miles to estimated cash value.

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Awards vs Cash Calculator

Compare redeeming points for travel vs cash back.

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Transfer Partner Calculator

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Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$216/yr

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Estimates for illustrative purposes. See methodology

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FAQ's

  • Issuers generally look for good-to-excellent credit; exact thresholds vary.

  • See the annual fee analysis above, or open the full calculator to model credits and perks against $295 per year.

  • Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.

Ready to apply?

Business Essentials Plus

Apply Now