SKYPASS Visa Signature® Business
U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The SKYPASS Visa Signature® Business from U.S. Bank earns up to 3.2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $99. New applicants may see: Earn 50,000 Bonus Miles when you spend $5,000 in eligible purchases within the first 90 days..
- Top category
- Dining
- Effective value
- 3.2%
- Annual fee
- $99
Worth a look for dining spend if you need a business card and can use Korean Air SKYPASS the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
What does the SKYPASS Visa Signature Business earn in each category?
Dining is the strongest category at 3.2% effective value (2x miles at about 1.6 cents each). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SKYPASS Visa Signature Business compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee.
Dining is the strongest category at 3.2% effective value (2x miles at about 1.6 cents each). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how SKYPASS Visa Signature Business compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x miles | 3.2% Top category |
| Grocery Supermarkets and grocery stores | 1x miles | 1.6% |
| Gas Gas stations and fuel | 2x miles | 3.2% |
| Travel Flights, hotels, transit | 1x miles | 1.6% |
| Other General everyday spend | 1x miles | 1.6% |
Madeen values Korean Air SKYPASS at about 1.6 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the SKYPASS Visa Signature Business reward caps and conditions?
The SKYPASS Visa Signature Business has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- Earn 2X miles at gas, EV charging stations and on dining, including takeout and restaurant delivery.
Who should get the SKYPASS Visa Signature Business?
The SKYPASS Visa Signature Business fits spenders who put meaningful volume in dining and can earn 2x miles. Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
SKYPASS Visa Signature Business fits spenders who put meaningful volume in dining and can earn 2x miles. Madeen ranks its dining effective rate higher than about 92% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x miles. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for dining spend if you need a business card and can use Korean Air SKYPASS the way you redeem today.
Pros
- Strongest Madeen category is dining at about 3.2% effective (2x miles).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $99 annual fee requires enough spend in bonus categories to offset.
- Korean Air SKYPASS value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the SKYPASS Visa Signature Business welcome bonus?
In Madeen's catalog snapshot, the SKYPASS Visa Signature Business welcome offer is Earn 50,000 Bonus Miles when you spend $5,000 in eligible purchases within the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 50k Korean Air SKYPASS (~$800 estimated)
- Terms (catalog snapshot)
- Earn 50,000 Bonus Miles when you spend $5,000 in eligible purchases within the first 90 days.
- Minimum spend
- $50,000
- Window
- 90Days
Does the SKYPASS Visa Signature Business have an annual fee?
The SKYPASS Visa Signature Business has an annual fee of $99 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $99
- Foreign transaction fee
- None
What travel perks does the SKYPASS Visa Signature Business include?
The SKYPASS Visa Signature Business includes Lounge access, Auto Rental Collision Damage Waiver, Auto Rental Collision Damage Waiver, Booking.com in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Lounge access
$99/yr2 KAL Lounge coupons each year
How we value this
Editorial: Priority Pass Standard individual membership lists at $99/year (2026); used as conservative lounge-access proxy when issuer does not specify visit caps.
What benefits come with the SKYPASS Visa Signature Business?
Purchase Security and Extended Protection
$10,000/yrPurchase 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.
Lost Luggage Reimbursement
$3,000/yrwill 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.
Travel Accident Insurance
$3,000/yrprovides 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.
Roadside Dispatch®
$1,000/yrThis 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.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Enjoy some quiet time
$25/yr2 KAL Lounge coupons each year
Auto Rental Collision Damage Waiver
$10/yrGet insurance coverage for car rentals made with your Visa card
Auto Rental Collision Damage Waiver
$10/yr(ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
Golf Benefits from Troon Rewards®
$10/yrEnjoy 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.
Travel and Emergency Assistance Services
$10/yrWhen 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.
Related encyclopedia topics
- Visa
- Rental car insurance
- Shopping and dining network perks
- Enjoy some quiet time
- Golf Benefits from Troon Rewards
- Baggage protection
- Dining credit
- Purchase Security and Extended Protection
- Roadside Dispatch
- Streaming or digital credit
- Travel Accident Insurance
- Travel and Emergency Assistance Services
Common questions about the SKYPASS Visa Signature Business
Where do cardholders spend most with the SKYPASS Visa Signature Business?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), other food and drink (2x) for the SKYPASS Visa Signature Business. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the SKYPASS Visa Signature Business have an annual fee?
The SKYPASS Visa Signature Business carries an annual fee of $99 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the SKYPASS Visa Signature Business?
Dining is the strongest Madeen category for the SKYPASS Visa Signature Business at about 3.2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the SKYPASS Visa Signature Business charge foreign transaction fees?
The SKYPASS Visa Signature Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the SKYPASS Visa Signature Business welcome bonus?
The SKYPASS Visa Signature Business welcome offer in our snapshot: Earn 50,000 Bonus Miles when you spend $5,000 in eligible purchases within the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the SKYPASS Visa Signature Business annual fee worth it?
Whether the $99 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the SKYPASS Visa Signature Business compare to similar cards?
Compare the SKYPASS Visa Signature Business against U.S. Bank Altitude Go Visa Signature (4% on Dining, $0 fee); SKYPASS Select Visa Signature (3.2% on Dining, $450 fee); SKYPASS Visa Signature (3.2% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
SKYPASS Visa Signature Business This card | Dining | 3.2% | $99 |
U.S. Bank | Dining | 4% | $0 |
| Dining | 3.2% | $450 | |
| Dining | 3.2% | $99 | |
| Dining | 3% | $0 |
Side-by-side comparisons
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Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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U.S. Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of U.S. Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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