U.S. Bank is currently offering a $200 bonus for opening a new business savings account and meeting a relatively simple deposit requirement.
While the headline bonus isn’t massive, this offer becomes much more interesting once you factor in the ability to fund $3k using a credit card.
Let’s walk through the details and why this is worth considering.
The Offer at a Glance
U.S. Bank is offering a $200 bonus when you:
Open a new U.S. Bank Business Savings account Use offer code Q1SAV26 Deposit and maintain $10,000 for the required period.
This is a straightforward balance-based bonus with no transaction or activity requirements beyond funding and holding the money.
How to Qualify for the $200 Bonus
To earn the bonus, you must meet all of the following:
Open a business savings account using offer code Q1SAV26
Deposit a total of $10,000 within 30 days of account opening
Maintain that $10,000 balance until 60 days after account opening
All funds must originate from outside of U.S. Bank or its affiliates
When Will You Get Paid?
According to the terms:
The $200 bonus will be deposited into your new eligible U.S. Bank Basic Business Savings account within 30 days following the last calendar day of the month in which you complete all of the offer requirements, as long as the account is open and has a positive available balance.
Account Fees to Watch For
This account does have a $10 monthly maintenance fee, but it’s easy to avoid:
The fee is waived if you maintain a daily balance of $500
The Real Angle: Credit Card Funding
On its own, tying up $10,000 for roughly 30 days to earn $200 is not a spectacular return.
What makes this offer much more intriguing is that — just like U.S. Bank business checking accounts — you can fund part of this account with a credit card.
You can fund up to $3,000 by credit card at account opening.
Even better, several major banks’ cards code this as a purchase, not a cash advance. Popular cards that I have used include:
•Amex Hilton Surpass
•Amex Hilton Aspire
•Amex Blue Business Plus
•Citi AAdvantage Platinum
•Citi Strata Elite
•Capital One Venture X
This means you can:
Put $3,000 on a rewards credit card and earn free points or miles and/or potentially help meet a welcome bonus requirement and still earn the $200 savings bonus on top
Effectively, you’re getting extra value layered on top of the cash bonus.
Is This Offer Worth It?
If you’re purely looking at:
$10,000 tied up About 30 days For $200
…it’s a decent but not amazing return.
However, if you:
Already have $7,000–$10,000 sitting idle, you can fund $3,000 by credit card and earn the points from that spend.
This becomes a much more attractive deal.
It’s also worth noting that:
The account is very easy to open online Even easier if you already have an active U.S. Bank account
Final Thoughts
This isn’t the biggest business savings bonus out there, but the credit card funding option is what sets it apart.
If you’re working on minimum spend, want easy points, and don’t mind parking some cash for a little while, this can be a nice, low-effort win.
Just make sure to:
Use offer code Q1SAV26
Fund from an external bank
Keep that $10,000 balance intact until the 60-day mark.
Link to the US Bank $200 bonus: US Bank