U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card

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This product is a perfect fit for people with excellent credit who like to spend and want to alleviate travel costs. The U.S. Bank FlexPerks® Business Edge™ Travel Rewards card is a rewards card that gives a significant amount of benefits to its carriers.

Individuals who travel frequently for business trips can enjoy accumulating points to use for discounts on airline tickets.

Why and How Consumers Use the U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa Card

Consumers use the U.S. Bank FlexPerks Business Travel Rewards Visa card because it is prominent, rewarding and easy to use. Any time a person carries a card with a Visa logo, that person can be sure that he or she will reap at least five benefits that Visa offers.

Additionally, carrying this card makes business operations and every day expenditures easy to manage. A cardholder can use the U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa card at any location that accepts Visa.

This broad list of retailers and merchants includes establishments outside of the United States and online merchants.

Someone who owns a U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa card can also use it to securely pay for monthly memberships, online medication orders, car rentals, hotel reservations and more. This product is truly an elite offering in which the benefits outweigh the rates and fees.

Qualifying and Applying for The U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa card

To qualify for the U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa card, the applicant must be 18 years of age or older. A credit card is a product that binds a person to a contract, and only adults can sign contracts. The individual applying for this card must also be a legal resident of the United States with a social security number.

Additionally, U.S. Bank requires an applicant to have excellent credit for this particular card. Excellent credit is a score between 750 and 850. The credit report that goes along with this score will also be free of any delinquencies, bankruptcies and other negative information.

Only an elite class of consumers who have had no record of late payments can qualify for this card. However, other options are available for consumers with less than perfect credit.

The best way for a person to keep his or her credit score in such a prestigious condition is to pay on time every month and not open too many accounts. Creditors look at all aspects of a person’s profile, including the person’s spending habits as opposed to his or her income.

Although the U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa card will require a person to spend $24,000 per year to qualify for certain benefits, this individual will want to keep expenses on other credit card accounts very low.

Ideally, the U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa card will be the consumer’s only credit card, because it is so beneficial and superior that the person will not need another provider.

A consumer who meets the expectations of the card company can apply for a U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa card by calling 800-631-8531. This person can also stop by a physical branch location or visit the website to complete the online version of the application.

business travel rewards visa by us bank flexperksBy using the online application, the consumer can finish the process within five minutes and receive an answer shortly after clicking on the “submit” button.

The first part of the application requests personal information such as name, address, telephone number and alternate number. The second part of the application asks for housing information and annual income numbers.

The third part of the application asks the consumer his or her employment status. The next part of the application asks the consumer for identifying information so that the lender can verify that person’s identity.

After the applicant enters his or her identity information, the system will issue the person a FlexPerks number if he or she does not already have one. Lastly, the consumer will submit the application for approval.

Generally, the person will receive an approval within 60 seconds. A new cardholder will receive his or her card within 7 to 10 business days.

U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa Card Annual Percentage Rate

The annual percentage rate (APR) for a new cardholder will vary according to his or her credit score. Someone on the higher end of the creditworthiness spectrum may be able to enjoy an APR of 11.99 percent, while the bank may issue another person an APR of 17.99 percent.

The intro APR for purchases and balance transfers is 0%.

Cash advances will always have a fixed APR of 23.99 percent.

How it Works

As soon as the cardholder receives his or her new U.S. Bank FlexPerks Business Travel Rewards Visa card, this person can begin earning travel rewards.

Fees Associated with the U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa Card

The U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa Card does not have an annual fee. However, some other fees do apply to this product. All balance transfers will have either a $5 fee, or a fee that is 3 percent of the transaction during the introductory period. After the introductory period, the cardholder will have to pay 4 percent or $5 for such transactions.

The company will assess a 2 percent fee to transactions conducted at a foreign ATM within the United States, and a 3 percent fee to those conducted at a foreign ATM in a foreign country or currency. Convenience check cash advances have a 3 percent or $5 fee attachment, while other cash advances have a fee of 3 to 4 percent, or an amount of $10 or $20, whichever is greater.

The company will assess a $35 charge for late payments and returned payments.

Going over one’s credit limit does not warrant a fee.

However, the card issuer may frown upon this activity, and it may it issue other penalties.

Managing the U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa Card

Cardholders can enroll online for credit card management. Using this system, the consumer can view his or her transaction history, credit limit, account balance and personal information. He or she can also make quick and easy credit card payments so that the account remains in good standing.

To enroll in online banking, the cardholder can visit the website and enter card information. The site is 100 percent secure, and enrollment only takes a few minutes. After enrolling, the cardholder will have access to conduct a wide variety of tasks within the account.

Disputes and Account Closure

Any cardholder who receives a questionable charge or loses his or her card can contact customer services at 800-374-7979. This person can initiate a dispute or request a new card. The company will conduct an investigation for any claims of fraudulent use. Additionally, a member can request account closure if he or she is dissatisfied with the service.

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The company recommends that such a person repay the balance of the card with 90 days of the closing date. The person’s credit score will not be affected if he or she follows this advice.

Apply Now and Enjoy a Multitude of Travel Benefits

Business owners and consumers with excellent credit are encouraged to apply for the U.S. Bank FlexPerks® Business Edge™ Travel Rewards Visa card. Such a card can come in handy for business trips, vacations, honeymoons and personal getaways.

The application process is quick and easy, and the applicant will most likely receive an answer within 60 seconds.

Consumers can make themselves susceptible to a new world of travel benefits, elite information membership, and the ability to obtain cash in emergencies. Anyone who is interested may apply now for one of the world’s top travel rewards cards.

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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