Monica Merlo
Contact me today to set up your free spending analysis.
About Business Card Consultants
We understand that building and maintaining a strong business requires smart decisions about spend management and cash flow management. Our team offers a personalized approach to help you make those decisions and get more from your money.
Let me be a personal advocate for your business, including helping you choose the right business credit card for you. We'll explore ways to improve your purchasing power, cash flow, data security and expense management.
Areas served
- National
Contact me today to set up your free spending analysis.
monica.merlo@usbank.com
234-430-6032
Explore more
Myths about credit cards
Challenge your perceptions and learn why the right card matters.
Read myths
The power to work smarter. Not harder.
Check out our business solutions, including our newest business card, which provides limitless 2X points on all purchases to power your business.
Explore card
Deposit products are offered by U.S. Bank National Association. Member FDIC. Credit products offered by U.S. Bank National Association and subject to normal credit approval. The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
What to expect
When you meet with a Business Card Consultant for a complimentary consultation, we'll start with a strategic review of your goals and current spend management. Then we'll deliver personalized tips for maximizing purchasing power and improving cash flow.
We believe in building long-term relationships. And while the first step may be finding the right business credit card, we can also help you streamline business operations to save time, money and resources.
Deposit products are offered by U.S. Bank National Association. Member FDIC.
Credit products offered by U.S. Bank National Association and subject to normal credit approval.
The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Myths about credit cards
If you've been comparing business credit cards, you know there are a lot of options. With a full to-do list, you may be tempted to stick with what you've had for years – or quickly pick a card and move on. Take a moment to check out these myths and learn why a complimentary consultation could make a big difference in your company's cash flow management.
| Myth | Reality |
|---|---|
| If my business is well established, I only need large cash infusions like loans to achieve my priorities. | Credit should grow with your business. It can be a tool to help you achieve priorities including growth. |
| Business credit cards are all pretty much the same. | While the differences in rewards structures might not sound very different, they can have a huge impact over time. |
| I've had the same card for years, and it's fine. | The needs of your business when you got the card are probably different than they are today. A new card could help you maximize purchasing power and improve cash flow. |
| I don't mind paying down our credit card multiple times per month. My staff handles that. | Paying down a business card multiple times per month can create inefficiencies and delays in your operations. Making one payment a month will help streamline your process and save time, allowing staff to focus on other business priorities. |
| I don't want to pay more to get better rewards. | While different rewards structures can carry different fees, in the long run those fees can be highly offset by improved rewards. |
Deposit products are offered by U.S. Bank National Association. Member FDIC.
Credit products offered by U.S. Bank National Association and subject to normal credit approval.
The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
The power to work smarter.
Not harder.
When a Business Card Consultant conducts a personalized spend analysis for your company, they'll look at your current spend and recommend an optimized spend strategy including a business credit card that maximizes rewards. Here's an example of one card they'll consider.
U.S. Bank Business Altitude® Power
- 2X points on all eligible purchases.
No cap on total rewards.1 - 2.5X points on up to $5,000 in mobile wallet spend each quarter2
- 6X points on prepaid hotels and car rentals booked directly in the Rewards Center when using your card
- 100K points after spending $10,000 within 120 days
- Transfer points with Business Altitude® Connect as well as the personal Altitude® Connect and Altitude® Go cards
- No foreign transaction fees on international inventory, supply or travel expenses
- $195 annual fee
They'll also tell you about ways to streamline processes, gain insights and reduce fraud risk, including Spend Management
U.S. Bank Spend Management
- Integrated accounting. Simplify with direct accounting integration and spend history exports.
- Intuitive receipt capture. Get transaction tagging and one-tap receipt upload.
- Robust card controls. Turn cards on and off, set spend categories and limits, restrict transaction days/types and more.
- Real-time analytics. Real-time tracking, custom reports and a 360-degree dashboard give a complete view of spend to better inform decision-making.
- Proactive user management. Easily establish and update roles, users and permissions for key administrators and employees
If your business has additional banking needs, your Business Card Consultant can connect you with business specialists throughout U.S. Bank. We offer a comprehensive suite of services, from lines of credit to savings and checking accounts.
Business banking
- Accelerate your earnings with a business checking account.
- Maximize credit card rewards redemption.
- Minimize risk and protect your information with fraud prevention tools.
- Streamline account access and visibility with a single banking platform.
You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to us or our service provider for the duration of your business relationship, solely to help us identify you or your wireless device and to prevent fraud. See our PRIVACY POLICY for how we treat your data.
U.S. Bank 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.
Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Please allow 1-2 billing cycles for rewards to be credited to your Account. Each merchant's business is identified by a category code established by Visa. A Purchase will not earn additional rewards if the category code applied to a merchant is in a category that is not eligible for additional rewards earning. We do not determine the category codes applied to merchants' businesses and reserve the right to determine which Purchases qualify additional rewards.
Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.
1. Cardmembers will earn 2 Points for every $1 spent in Net Purchases. Net Purchases are Purchases minus credits and returns. You will earn 6 Points (2 base Points and 4 bonus Points) for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations in the Rewards Center using your Business Altitude Power card. You will earn 2.5 Points (2 base Points and 0.5 bonus Points) on your first $5,000 in eligible Net Purchases using a mobile wallet each calendar quarter. Amounts above that will earn the base 2 points for every $1 spent for the rest of the quarter. “Mobile wallet” is defined as the method of paying for a transaction by use of a mobile device (in-store, in-app or online) and includes ApplePay®, Samsung Pay and Google Pay™. Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles.
2. One-time 100,000 bonus Points will be awarded if you are approved for a new U.S. Bank Business Altitude Power Visa Signature Card and make $10,000 or more in total eligible Net Purchases to the Account Owner's card within 120 days of Account opening. The Account Owner’s Card is the card assigned to the initial applicant of the account and would not include cards used by authorized employees. Existing or previous Business Altitude Power cardmembers are not eligible if you have received a new account bonus for this product in the last five years. This offer may not be combined with any other bonus offer.
The creditor and issuer of this card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. Deposit products are offered by U.S. Bank National Association. Member FDIC
Frequently asked questions
Why should I get a consultation instead of just picking a business credit card on my own?
The card that's right for one business isn't necessarily right for another. Our consultants do an in-depth review during your customized spend analysis to uncover ways they can improve purchasing patterns and maximize value – all while finding a card that delivers the most potential rewards and is easy to implement.
What should I expect during the complimentary consultation?
We'll start with an in-depth, strategic review of your business goals and current spend management practices. Then we'll recommend the business credit card program that best fits your business's needs. We'll also offer any additional best-practice tips for spend management and cash flow management.
What materials do I need to supply so you can do the spend analysis?
To enable our team to make the best, most personalized recommendation, we encourage you to provide current competitor statements along with two years' business financials.
How long will the process take?
Once we have the information needed to begin our analysis, our team can work quickly to put together a customized recommendation that details the impact any changes could have on your business. We've also developed a streamlined onboarding process.
What information do you consider during the spend analysis?
We look at how much your business is spending each month, the categories where you spend the most and your business goals, such as growth. We also identify gaps in the operating cycle and uncover additional spend from all forms of payment that could be transitioned to a business card program to create more operational efficiency.
What training and expertise do the Business Card Consultants have?
Our Business Card Consultants have extensive knowledge of products and services offered by our competitors. Therefore, they deliver a tailored recommendation based on our clients' needs and priorities to add the most value and optimize business spending.
Can I request a Business Card Consultant who has experience working with clients in my industry?
All U.S. Bank consultants have expertise across a variety of industries. We'll be sure to pair you with the consultant who best fits your business.
If I get a complimentary analysis, am I committed to choosing a business credit card from U.S. Bank?
While we hope the process will show you the benefits of choosing the right card for you, there's absolutely no commitment.
If I decide to switch to a U.S. Bank business card, what's next?
When you choose to switch to a U.S. Bank business card, your Business Card Consultant will make it easy. They'll guide you through every step.
Deposit products are offered by U.S. Bank National Association. Member FDIC.
Credit products offered by U.S. Bank National Association and subject to normal credit approval.
The creditor and issuer of these cards is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc. or Mastercard International Incorporated, and the cards are available to United States residents only. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
