Miles · Visa · $99 annual fee
Last verified 2026-09-09. Review issuer source
U.S. Bank SKYPASS Visa Signature Business is a $99-a-year miles card from U.S. Bank. Its best everyday rates are 2x on dining, 2x on gas stations, and 2x on office supplies; everything else earns 1x. There is also 2x on Korean Air, a single-merchant rate. Rewards are Korean Air SKYPASS miles that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $73,200 a year it earns $308, which clears the $99 fee with $209 to spare before any credits or perks. The welcome bonus, 50,000 miles after $50,000 in 90 days, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
Earn 2X miles at gas, EV charging stations and on dining, including takeout and restaurant delivery.
Earn 2X miles at gas, EV charging stations and on dining, including takeout and restaurant delivery.
Earn 2X miles on Korean Air ticket purchases
Earn 2X miles on cell phone and office supplies
Earn 2X miles on cell phone and office supplies
Earn 50,000 Bonus Miles when you spend $5,000 in eligible purchases within the first 90 days.
Get insurance coverage for car rentals made with your Visa card.
2 KAL Lounge coupons each year
Available for you and a companion each year. For example, spend $5,000 and save $250.
These come from Visa, not from U.S. Bank. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Lost Luggage Reimbursement will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Travel Accident Insurance provides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Get assistance with travel planning, entertainment tickets and more.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| SKYPASS Visa Signature® BusinessThis card · 2x on dining | $99 | $308 | +$209 | 725th of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®U.S. Bank's most-held other card · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Signify Business Cash Card by Wells FargoThe strongest no-fee card on this budget · 2% on everything | None | $1,464 | +$1,464 | 8th of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
