Primary location
Chicago, IL
Demetra Bubaris
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
- Illinois
Contact me today to set up your free spending analysis.
demetra.bubaris@usbank.com
224.769.0536
Explore more
Myths about credit cards
Challenge your perceptions and learn why the right card matters.
Read myths
U.S. Bank Business Altitude™ Power World Elite Mastercard®
Check out our newest business card, which provides limitless 2X points on all purchases to power your business.
Explore card
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.
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. |
U.S. Bank Business Altitude™ Power World Elite Mastercard®
When you receive a complimentary consultation from a U.S. Bank Business Card Consultant, they’ll look at your current spend management and recommend a credit card that fits your business’s needs. Here’s one example of a card they’ll consider:
U.S. Bank Business Altitude™ Power Card
- 2X points on all purchases,1,2 with no caps or expiration date
- 2.5X points on up to $5,000 in combined mobile wallet and virtual card purchases each quarter2
- 6X points on prepaid hotels and car rentals booked directly in the Rewards Center
- 75,000 bonus points ($750 value) after spending $10,000 on the account owner’s card in the first 120 days3
- $195 annual fee
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U.S. Bank Business Altitude™ Power Card
- 2X points on all purchases,1,2 with no caps or expiration date
- 2.5X points on up to $5,000 in combined mobile wallet and virtual card purchases each quarter2
- 6X points on prepaid hotels and car rentals booked directly in the Rewards Center
- 75,000 bonus points ($750 value) after spending $10,000 on the account owner’s card in the first 120 days3
- $195 annual fee
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.
