Josh Taylor

Contact me today to set up your free spending analysis.

josh.taylor1@usbank.com
913-954-1866
Connect when it's convenient for you. Schedule an appointment.

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

Kansas
Missouri

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What to expect

Learn how we'll find the right business card for you.

See process

Myths about credit cards

Challenge your perceptions and learn why the right card matters.

Read myths

Cards & tools

Check out our business solutions, including our newest business card, which provides limitless 2X points on all purchases to power your business.

Explore card

FAQs

Get answers to some frequently asked questions.

Read now

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.

View transcript

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.

Building a connected payment strategy

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 Essentials™ Plus

U.S. Bank Business Checking

U.S. Bank Spend Management

U.S. Bank Business Essentials™ Plus Visa Signature® Card

Unlimited 2% cash back on every purchase. No cap.₁
Up to 3.5% total cash back on $200,000 annually in eligible Net Purchases when paired with qualifying balances in a qualified U.S. Bank business checking account.₁
5% cash back on your top eligible spend category automatically up to $200,000 annually₂
10% cash back on prepaid hotel and car rentals directly in the Travel Center when using your card₃
No foreign transaction fees
$295 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.

U.S. Bank Business Checking

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.

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.

See the impact of a smart payment strategy

Medieval Metalwerx

For Medieval Metalwerx, planning for growth is essential. U.S. Bank made finding the right business credit card to support what's ahead seamless.

Tire Depot

Before working with U.S. Bank, Tire Depot's owners juggled multiple credit cards. A Business Card Consultant “took it to the next level” with support.

Insights for business

From business trends to card control best practices, we explore topics that can help you save time, optimize rewards and maximize purchasing power.

Business Credit Cards

5 reasons to consider business cards Read now >
Business credit matters. Here's how to build it. Read now >
Optimizing employee cards Read now >
Finding efficiencies, reducing card misuse: Best practices for setting business credit card controls Read now >

Cash Flow

Cash flow and beyond: Why credit cards should be the first choice for business payments Read now >
Strengthening cash flow during a time of inflation Read now >
Profit from accounts payable: 3 ways to turn a cost center into a profit center Read now >

Healthcare

Healthcare acquisitions and credit cards: How business credit cards can provide essential cash flow when it's needed most Read now >

Purchasing Power

3 ways to secure purchasing power Read now >

Seasonal Insights

Ready for takeoff: Tips for hassle-free business travel Read now >

Contact me today to set up your free spending analysis.

josh.taylor1@usbank.com
913-954-1866
Connect when it's convenient for you. Schedule an appointment.

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.

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.

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. Cash back rewards are earned under the U.S. Bank Business Essentials™ Plus Visa Signature® Card program. These rewards are earned as “Points” and you will earn 2 Points for every $1 spent in eligible Net Purchases (Purchases minus credits and returns). You may earn additional Points for a Business Essentials Plus Earning Bonus if you:

Have an existing checking account, or open a new checking account with a minimum opening deposit of $25, in one of the following “Qualifying Business Checking Accounts”:

U.S. Bank Business Essentials®
U.S. Bank Gold Business Checking
Gold Business Checking with Interest
U.S. Bank Platinum Business Checking

Have a “Qualifying Balance” with U.S. Bank in an open Qualifying Business Checking Account. Deposits in other U.S. Bank accounts do not qualify towards the Qualifying Balance requirement. Based on your Qualifying Balance, you will earn Points according to the following Business Essentials Plus Earning Bonus tiers, except for the exceptions described below:

Between $15,000 - $74,999.99, to earn a total of 2.5 Points per $1 of eligible Net Purchases (a base of 2 Points plus the Business Essentials Plus Earning Bonus of 0.5 Points),
Between $75,000 - $149,999.99, to earn a total of 3 Points per $1 of eligible Net Purchases (a base of 2 Points plus the Business Essentials Plus Earning Bonus of 1 Point), or
$150,000 or more to earn a total of 3.5 Points per $1 of eligible Net Purchases (a base of 2 Points plus the Business Essentials Plus Earning Bonus of 1.5 Points).

See Business Pricing Information and Business Essentials Pricing Information for additional pricing details specific to the Qualifying Business Checking Accounts.

Business Essentials Earning Plus Bonus applies to a maximum of $200,000 in eligible Net Purchases annually (which is the one-year period starting on the Account opening date). Eligible Net Purchases over $200,000 will earn the base earn of 2 Points per $1 spent in Net Purchases.
Not all Purchases are eligible to earn the Business Essentials Plus Earning Bonus: Purchases classified as (1) education/school, (2) gift cards (including discount gift card sites), and (3) tax will earn the base of 2 points per $1 spent in Net Purchases and may not earn additional Points for the Business Essentials Plus Earning Bonus. These Purchases are not calculated as part of the $200,000 cap. 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 for additional rewards.

At the end of each day an average Qualifying Balance is calculated.  The balance is based on a 30-day average balance of all Qualifying Business Checking Accounts and is calculated by adding together the end of day ledger balance(s) for every day in the last 30 days and dividing the total by

30 calendar days, or
the number of days since opening a Qualifying Business Checking Account

The Business Essentials Earning Bonus tier that is applied to your U.S. Bank Business Essentials Plus credit card account is determined based upon the Qualifying Balance (as described above).

If your daily Qualifying Balance qualifies you for a tier upgrade or downgrade, you will be moved to the higher or lower tier (within 5 business days).  This means that the bonus tier that will be applied to your account may vary during a Card billing cycle. The Business Essentials Plus Earning Bonus is applied based on the Purchase transaction date using the effective tier value determined as of the date the transaction posts.

The applicable Business Essentials Earning Bonus tier will be determined by reviewing the Qualifying Balance of the Authorized Officer’s qualifying account(s). Balances of employee Qualifying Checking Accounts will not qualify for determining the Business Essentials Earning Bonus.

To redeem as Cash Back in the values noted in this advertisement, Points can be redeemed as a deposit into an eligible U.S. Bank deposit account or statement credit. Other redemptions, such as for gift cards or travel, may be at a reduced redemption rate.

Points will expire if there is no reward, Purchase, or balance activity on your Card account for 12 consecutive statement cycles. If you make a Purchase return or otherwise receive credit on a Purchase transaction, Points will be deducted from your Points balance based on the Business Essentials Earning Bonus tier that applies to your card account when you make the return or receive the credit.

2. You will earn 5 Points (2 base and 3 additional) for every $1 in eligible Net Purchases spent on the top eligible spend category each month up to a $200,000 annual spend cap. “Annual” means the one-year period starting on the Account opening date. Eligible Net Purchases over $200,000 will earn the base earn of 2 Points per $1 spent in Net Purchases. “Top Categories” include accounting & tax services, airlines, cell phone service providers, dining, entertainment (such as bowling alleys, golf courses, entertainment parks), office supply stores, postal & shipping services, and utilities. These “Top Categories” may change in the future without notice.

3. You will earn 10 Points (2 base and 8 additional) for every $1 in eligible Net Purchases spent on prepaid car and hotel reservations purchased in the Travel Center using your U.S. Bank Business Essentials™ Plus Visa Signature® Card instead of Points.

Please allow 1-2 statement billing cycles for Points to be credited to your account.

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.