U.S. BANK FLEXPERKS® BUSINESS TRAVEL REWARDS CARD

Benefits and Rewards

Get the most from your card.

FlexPoints add up quickly.

  • Earn 2X FlexPoints for every $1 spent at gas and electric vehicle charging stations, office supply stores, or airlines — whichever you spend most on each monthly billing cycle.1
  • Earn 2X FlexPoints on qualifying charitable donations. Choose from a wide range of eligible local, national and international charities.2
  • Earn 2X FlexPoints at most cell phone service providers.2
  • Earn 1X FlexPoint for every $1 of eligible net purchases charged to your card.3

Important:

  • Earn 5X on prepaid hotels and car rentals booked directly in the Rewards Center.4
  • FlexPoints expire five years from the end of the calendar quarter in which they were earned.5
  • The account must be open and in good standing to earn and redeem FlexPoints and benefits.

Visit the Rewards Center

Rewards pooling is when all rewards earned by any card within the company card program accumulate to the Central Bill account, which can only be accessed by the Authorized Officer or Authorized Representative. Central Billing is required for rewards pooling.

Important Facts:

Most rewards accounts are automatically set up for rewards pooling. To verify if your account is set up for Central Bill with rewards pooling, contact Cardmember Service using the number on the back of your card. It will take up to two monthly statements to get set up on Central Billing and rewards pooling.

Learn About Central Billing

  • For example, 25,000 FlexPoints can be redeemed for $375 in airfare, hotel stays, car rentals, cruises, activities and more.
  • Redeem FlexPoints for travel, merchandise, gift cards, cash back, live events and more.6
  • Redemption starts at just 1,000 FlexPoints.

How to redeem rewards:

  • Log in to online banking.
  • Under the “My Accounts” tab, select “My Rewards.”
  • Click “Redeem Rewards & Access Card Benefits” to start redeeming.
  • Or Contact Us to reach Cardmember Service.

Important:

  • FlexPoints expire five years from the end of the calendar quarter in which they were earned.5
  • The account must be open and in good standing to earn and redeem FlexPoints and benefits.

Visit the Rewards Center

View the Visa Card complete guide to benefits here (PDF).

Auto Rental Collision Damage Waiver

Receive Auto Rental coverage by charging your entire rental transaction amount to your eligible card and declining the extra collision insurance (or loss damage waiver) from the rental company. If your rental car is damaged or stolen while you’re traveling, you can be covered! It’s your ticket to significant savings and increased peace of mind. Certain terms, conditions, and exclusions may apply.7

Call 1-800-348-8472 for additional details to determine if this coverage is right for you or to make a claim.

Roadside Dispatch

Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-VISA-TOW (1-800-847-2869). Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees. Certain terms, conditions, and exclusions may apply.7

Travel Accident Insurance

Use your eligible credit card to purchase travel fares on common carriers (train, plane, bus, or ship) and receive automatic Accidental Death and Dismemberment Insurance for you and your family. Certain terms, restrictions, and exclusions may apply.7

Contact Us or call the number on the back of your card to learn more.

Travel and Emergency Assistance Services

Enjoy your trip knowing you have a wide range of emergency services available 24 hours a day when you are away from home. Get help coordinating medical, legal, and travel services when you need them. You are responsible for the cost of any actual medical, legal, transportation, cash advance, or other goods or services provided. Certain terms, conditions, and exclusions may apply.7

Call 1-800-992-6029 to learn more.

Purchase Security

Protect your credit card purchases in case of theft or damage due to a covered reason for the first 90 days from the date of purchase. Purchase Security will replace, repair, or reimburse your eligible items of personal property purchased entirely with your eligible credit card. Certain terms, conditions, and exclusions may apply.7

Call 1-800-848-1943 to learn more or to make a claim.

Extended Warranty

Double the time period of the original manufacturer’s written U.S. warranty up to one (1) additional year on warranties of three (3) years or less – up to a maximum of ten thousand dollars ($10,000) per claim. The eligible item must have been purchased with your eligible credit card. Certain terms, conditions, and exclusions may apply.7

Call 1-800-848-1943 to learn more or to make a claim.

Visa Discounts

Receive valuable discounts and/or gift-with-purchase offers from a wide collection of popular online and in-store retailers.

View Offers

Visa SavingsEdge®

Enjoy this complimentary program where you can save up to 15% on business purchases. Enroll your Visa Business card to save money on qualifying purchases at participating merchants. Your savings appear as automatic credits on your future account statements.

Learn More

Visa Spend Clarity

Enroll in Visa Spend Clarity, a simple and powerful free tool to access and sync expenses, set employee card controls, generate reports, and more.

Learn More

Additional Benefits for Visa Signature® Cardmembers

View the Visa Signature® Card complete guide to benefits here (PDF).

  • Not sure if you are a Visa Signature Cardmember?
               - Look for the product name on your billing statement.

Lost Luggage Reimbursement

Enjoy greater peace of mind when you travel. If your checked or carry-on luggage and its contents are lost due to theft or misdirection by the common carrier, you can get reimbursed for the actual cost of repairing or replacing it. Certain terms, conditions, and exclusions may apply.7

Call 1-800-757-1274 to learn more or make a claim.

Concierge Services

Enjoy personalized assistance with restaurant and travel reservations, event tickets, gift arrangements, business services, and more. Cardholders are responsible for the cost of any goods or services purchased. Certain terms, conditions, and exclusions may apply.7

Learn More or call 1-800-953-7392 to talk with Concierge Services now.

Event Access, Offers, and Discounts

Enjoy access to special packages, discounts, offers, upgrades, and events in these categories: Travel, Entertainment, Fine Wine and Food, Sports, and Shopping.

View Offers

24/7 U.S.-Based Customer Service

We have dedicated specialists available 24/7 to assist you with any questions about your account.

Contact Us or call the number on the back of your card.

Fraud Protection

We have sophisticated fraud-monitoring tools that look for abnormal spending patterns. If we see something unusual, we move fast to keep your card and your account information safe.

Your account is also protected with zero fraud liability, which means you’ll get reimbursed for 100% of fraud losses due to unauthorized use of your account. Please notify U.S. Bank promptly of any unauthorized use. Certain conditions and limitations may apply.

Chip Technology

Your credit card is embedded with a microchip that adds an additional layer of security to your traditional magnetic stripe card. It turns cardmember information into a unique code that is virtually impossible to duplicate or copy when used at a chip-enabled terminal. If the merchant has a chip terminal, they will ask you to simply insert your card into the terminal and sign your name to verify your purchase. At merchants who are not equipped with chip terminals, swipe your card and sign your name as usual.

Online and Mobile Account Access

View your account balance, pay your credit card, set up account alerts, and more.

Online Banking       Mobile Banking

Budgeting Tools

You know best how to manage your money, which is why U.S. Bank offers free credit card management tools that help you avoid interest and late fees. You can also set up account alerts, set controls and choose your payment due date.

Learn More

Spend Analysis Online Reporting

Our Spend Analysis online reporting tool makes tracking and monitoring expenses easy.

  • View a chart showing your spending information at a glance.
    • Monitor transactions in your top spend categories, such as Automotive, Food or Travel.
    • Review transactions monthly, quarterly or annually.
  • Download an easy to read Annual Account Summary (PDF format).

Simply log in to Online Banking, select your credit card and click “Spend Analysis.”

Financial IQ

The U.S. Bank Financial IQ website offers educational, inspirational and thought leadership topics to promote financial wellness for everyone, whether at work, home or play. To find topics to support you and your business, please visit usbank.com/financialiq and click on the "Manage your Business" section.

$25 Airline Allowance

Cardmembers may receive up to a $25 airline allowance with each redeemed round-trip airline award travel ticket toward baggage fees and other qualified ‘inflight’ purchases.8

Combine Earned FlexPoints into a Single Account

If you have more than one FlexPerks credit card with more than one loyalty number, you can combine all your FlexPoints to go to one loyalty number. Contact Us to learn more.

Transfer FlexPoints with No Fee or Cost

If you want to transfer FlexPoints to another person, you can do that at no cost.

  • Log in to online banking and select “My Rewards” under the “My Accounts” tab.
  • Click “Redeem Rewards & Access Card Benefits” to enter the Reward Center.
  • Select “Manage Points” and then click the “Transfer Points” tab.

Important: You will need the person’s FlexPoints Number or FlexPerks Account Number.

Earn Frequent Flyer Miles

Earn frequent flyer miles on the airline you fly for your award travel flight. You must be a member of the airline’s frequent flyer program.

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The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

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  1. U.S. Bank FlexPerks Business Travel Rewards Visa cardmembers may earn additional FlexPoints for purchases at merchants that are classified as: gas and electric vehicle charging stations, office supply stores or airlines (each, a "Category").  You may earn one (1) additional FlexPoint for every $1 in Net Purchases in the one Category in any given monthly billing cycle that has the highest total of Net Purchases charged to your Account (the "Highest Category"). U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which Purchases will qualify.

  2. U.S. Bank FlexPerks Business Travel Rewards Visa cardmembers may earn one (1) additional FlexPoint for every $1 in Net Purchases during the current month’s billing cycle for any merchant that classifies itself as a Charitable and Social Service Organization. In addition, for any cellular services provider merchant, FlexPerks Travel Rewards cardmembers may earn one (1) additional FlexPoint for every $1 in Net Purchases during each monthly billing cycle. U.S. Bank cannot control how merchants choose to classify their business and reserves the right to determine which Purchases will qualify.

  3. U.S. Bank will credit your FlexPerks Business Travel Rewards Account with one (1) FlexPoint for every $1 in Net Purchases. FlexPoints will be awarded as long as your Account is open and not 5 days or more past due at the close of your billing period. We will not award FlexPoints for Advances, Convenience Checks, Balance Transfers, Interest Charges and Fees, credit insurance charges, or transactions to fund certain prepaid card products. We reserve the right to adjust the number of FlexPoints for Purchases or to stop issuing FlexPoints for Purchases on the Account, upon notice to you. Refer to the FlexPerks Cardmember Agreement for full details.

  4. U.S. Bank FlexPerks Business Travel Rewards cardmembers will earn four (4) additional Points for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the travel center using your U.S. Bank FlexPerks Business Travel Rewards Card. Prepaid car and hotel reservations in the travel center are not classified as a travel category merchant transactions and are not eligible to receive the additional points for that category. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. Refer to the Rewards Center for full details.

  5. FlexPoints will expire at the end of the calendar quarter, at 11p.m. Central Time, that is five years from the date on which they were earned. FlexPoints are redeemed or expire on a first-in, first-out basis, so the FlexPoints you earned first are used or expire before FlexPoints you earned later.

  6. Cash back is redeemed in the form of a statement credit or a deposit made to your U.S. Bank Savings, or Checking Account (2,500 FlexPoints minimum redemption). Available Travel Rewards, Gift Certificate Rewards, Merchandise Rewards, Magazines, Statement Credits and any other Program Rewards, and the number of FlexPoints needed to obtain each reward, are available to Cardmembers at the Rewards Center online at www.usbank.com (log into online banking) or by phone at 888-229-8864. U.S. Bank and/or third-party vendors may change or terminate participating merchants; withdraw, limit, modify or cancel any rewards; or increase the number of FlexPoints required for any reward at any time without advance notice, even though such changes may affect the accrual or value of points or rewards. For redemptions, information about the current Program Rewards Schedule, inquiries and updates, visit the Rewards Center online at usbank.com or call 888-229-8864 between 8:00 a.m. and 10:00 p.m. (CT) Monday through Friday, and between 8:00 a.m. and 5:30 p.m. (CT) Saturday through Sunday.

  7. Please see the link to the Guide to Benefits PDF document at the top of this section for full details. Benefit descriptions are intended to provide general information about the coverage made available to you by U.S. Bank. Benefits vary by credit card product.

  8. FlexPerks Business Travel Rewards Visa Cardmembers may receive up to a $25 airline allowance with each redeemed round-trip airline award travel ticket. Effective July 1, 2019, you must redeem a minimum of 10,000 FlexPoints per round-trip airline award ticket in order to be eligible for the $25 airline allowance. Cardmembers who redeem FlexPoints for award travel may be credited up to $25 on a future statement for Qualified Purchases made using their FlexPerks Business Travel Rewards Visa Card with the airline carrier providing award travel flight. “Qualified Purchases” are any purchases made with your FlexPerks Business Travel Rewards Visa Card that post to your account under the airline carrier providing your award travel flight between the dates of your award travel flight. U.S. Bank cannot control which credit card issuers an airline chooses to accept. If you purchase airfare from an airline and use Real-Time Mobile Rewards to pay for the airfare, you will not be eligible to receive the $25 Airline Allowance; the $25 Airline Allowance is only available for travel rewards FlexPoints redemption made through the Rewards Center online or by phone. Cardmembers must call Cardmember Services using the phone number printed on the back of their card to request a statement credit within 90 days of a Qualified Purchase. Once the request is approved by Cardmember Services, the Cardmember will receive a statement credit within 4 to 6 weeks for the amount of the qualified purchase, up to $25. A statement credit will reduce the Account balance, but does not count as a payment and thus does not reduce the minimum payment due. U.S. Bank does not have the ability to control how a merchant chooses to classify their business and therefore reserves the right to determine which purchases qualify for allowance. You may redeem allowance for Qualified Purchases only if the outstanding balance of your account is below its revolve limit and if your account is open and in good standing under the terms of your Cardmember Agreement. Once you or we close your account for any reason, your allowance may be forfeited.