Prime Business World Elite Mastercard cardmembers will earn Rewards for spend on eligible Net Purchases (Purchases minus credits and returns) made with your account during each billing cycle that your account is open and in good standing (not past due or overlimit) according to your Cardmember Agreement. Each merchant’s business is identified by a category code established by Mastercard. 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. Rewards are earned as a percentage of Net Purchases and issued in the form of points.

You will earn Rewards for the following Net Purchases:

• 5% back for every $1 in Net Purchases spent on the first $150,000 of all Net Purchases made at Amazon-covered Sites by all Cardmembers each calendar year, thereafter you will earn 1%; 
• 5% back for every $1 in Net Purchases spent on prepaid travel in the U.S. Bank Travel Center using your Card;  
• 2% back for every $1 in Net Purchases spent on the first $150,000 spent each calendar year on the top 3 categories (the “Top Categories”). Top Categories are determined based on category code each billing cycle based on the combined spend of all Cardmembers.  After reaching the $150,000 cap you will earn 1% on the Top Categories starting in the next billing cycle until the next calendar year; and 
• 1% back for every $1 spent on all other Net Purchases. 

For complete program details, refer to the Program Rules located in the Rewards Center.

You will earn 5% back for every $1 in eligible Net Purchases at Amazon-covered sites, on up to $150,000 in combined spend per calendar year. Thereafter you will earn 1% until the following year. Amazon covered sites are:

• Amazon Business
• Amazon.com
• Amazon Web Services (AWS)
• Whole Foods Market

Purchases made at Amazon sites that operate outside of the United States are not covered sites and therefore not eligible for accelerated Rewards.

You will earn 2% back for every $1 in eligible Net Purchases in your top three spend categories each billing cycle, automatically, up to $150,000 per year. Thereafter you will earn 1% until the following year.

Eligible spend categories: Accounting & Tax Services, Advertising & Direct Marketing, Airlines, Car Rental, Cell Phone, Computer & Software Services, Dining, Drug & Pharmacy, Entertainment, Gas & EV Stations, Grocery Stores, Hotel, Office Supplies, Postal & Shipping Services, Utilities.

A Purchase will not earn additional Rewards if the merchant's selected code is in a category that is not eligible for additional Rewards earning. Each merchant’s business is identified by a category code established by Mastercard. 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.

We determine if Purchases qualify for additional Rewards by using merchant category codes. A Purchase will not earn additional Rewards if the merchant's selected code is in a category that is not eligible for additional Rewards earning. Each merchant’s business is identified by a category code established by Mastercard. 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.

When you Purchase prepaid travel with your Prime Business Card through the Rewards Center (online/by phone), you will earn 5% back. Rewards are deposited into the reward account after the Purchase has been processed for the prepaid travel reservation. Please allow 1-2 statement billing cycles for your earned Rewards to appear on your credit card billing statement.

You can see your total available Rewards online at any time. Log in to usbank.com or the U.S. Bank mobile app and select "Rewards Center." Your Rewards balance will be posted there. You can also see your earnings and available Rewards on your monthly credit card billing statement.

Your Rewards can be redeemed when shopping for eligible Purchases on the Amazon site through Amazon’s Shop With Points or in the form of a statement credit. Only the primary (Account Owner) cardholder can redeem Rewards through Amazon’s Shop with Points program.

 You may redeem Rewards through Amazon’s Shop With Points (“SWP”) program.  Your Card must be saved in your Amazon account and enrolled in SWP to redeem Rewards through SWP.  The SWP program allows you to redeem Rewards at the checkout for Purchases made on Amazon.com and Amazon Business (the “Amazon Site”). Your participation in the SWP program is subject to the “SWP Terms and Conditions” found at https://www.amazon.com/b?node=212366899011.

You can redeem your Rewards for a Statement Credit at any time online through the Rewards Center at usbank.com or the U.S. Bank mobile app. Log in, select your Prime Business Card account and select "Rewards Center". Or you may call the Rewards Center at 1-888-229-8864. 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.

Redeeming your Rewards for a statement credit does not count as a payment and thus will not reduce your minimum payment. However, your redemption will reduce your account balance.

Rewards do not expire as long as the account remains open and in good standing (not past due or overlimit).

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.

If you’re having difficulty redeeming your Rewards on the Amazon site make sure your credit card is added to your Amazon wallet and enrolled in Shop with Points:

1. Visit https://www.amazon.com/wallet to check if your card is added to your Amazon wallet. If you have received a replacement card, ensure the correct card is added. If an old card is added to wallet, we recommend removing it. 

Note: If this is your first time adding the card, you may need to make a Purchase before Rewards redemption becomes available.

2. Verify your card is enrolled in Shop with Points, visit https://www.amazon.com/hp/shopwithpoints/servicing. Confirm that your most recent issued card number appears under “your enrolled programs”.

Important: Employee cards are not eligible to redeem Shop with Points on the Amazon site.

U.S. Bank ExtendPay Plans provide a new payment option that allows you to divide eligible card Purchases into affordable monthly payments. At checkout, choose rewards or a 0% APR ExtendPay Plan on Purchases at Amazon.com, or Amazon Business. If you choose ExtendPay at Amazon checkout for this Purchase using your Amazon Business World Elite Mastercard, an ExtendPay Plan will be set up, and you can make monthly payments with no extra fees, but you won’t earn rewards. If you choose to get rewards instead, an ExtendPay Plan will not be set up. This promotional financing offer is only applicable if you choose ExtendPay at the time of Amazon checkout. Any unpaid balance remaining on an ExtendPay Plan after the chosen pay-back period will be subject to the APR and minimum payment calculation for Purchases outlined in the Cardmember Agreement.

Complete Program Rules are available on the Rewards Center website by clicking Program Rules or by calling the Cardmember Service number on the back of your card.

Yes, you can call the Rewards Center anytime at 888-229-8864.