SKYPASS Visa Signature® Business Card
A $99-a-year airline card from U.S. Bank.
Rates, fees, and full terms are set by U.S. Bank and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The SKYPASS Visa Signature Business Card earns 2 miles per dollar on Korean Air tickets, gas and EV charging, dining, cell phone, and office supplies, and 1 mile everywhere else, for a $99 fee. It adds 5% off Korean Air tickets once a year and two lounge vouchers.
One quirk sets it apart: miles earned on employee cards go to each employee's own SKYPASS account, not the owner's. That is great as a perk for staff and less great if you wanted to pool the miles.
Think twice if: you want employee spending to pool into your own account, since employee miles go to each employee.
Our 6.0 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 2 miles per dollar on Korean Air tickets, gas and EV charging, dining, cell phone, and office supplies, and 1 mile on everything else. Miles are valued at a flat cent and are most useful for Korean Air and SkyTeam awards.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 2% back | Bonus category |
| Gas | 2% back | Bonus category |
| Flights | 2% back | Bonus category |
| Office supplies | 2% back | Bonus category |
| Phone and internet bills | 2% back | Bonus category |
| Groceries | 1% back | Base rate |
| Travel | 1% back | Base rate |
| Streaming | 1% back | Base rate |
| Everything else | 1% back | Everything else |
The fine print on rates: Unusually, miles earned on employee cards go to each employee's own SKYPASS account rather than pooling with the owner's. Miles are valued at a flat 1 cent.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your dining, gas, and flights spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its dining rate is on the modest side for that category, so compare before you commit.
When you cash in, redeem the miles or points inside the single loyalty program this card is tied to. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 2x on Korean Air, gas, dining, phone, and office supplies
- 5% off Korean Air tickets each year
- 2 lounge vouchers each year
- No foreign transaction fees
- $99 annual fee
- Employee miles do not pool with the owner's
- Miles locked to SKYPASS
The welcome bonus
New cardholders earn 50,000 bonus miles after spending $5,000 in the first 90 days.
Is it worth the annual fee?
The $99 annual fee is offset by the yearly 5% Korean Air discount and two lounge vouchers if your business flies Korean Air.
First-year value vs ongoing value
| Welcome bonus | 50,000 bonus miles |
| To earn it | $5,000 in the first 90 days |
| Est. first-year value* | $941 |
| Est. ongoing value / yr* | $441 |
The welcome bonus makes year one the high point: roughly $941 in value once you count the bonus, this card’s rewards, and its credits, minus the $99 fee. After that, the honest figure is about $441 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- 2 miles per $1 on Korean Air tickets, gas and EV charging, dining, cell phone, and office supplies
- 1 mile per $1 everywhere else
- 2 Korean Air lounge vouchers each year
- Employee miles credited to each employee's own SKYPASS account
- $99 annual fee and no foreign transaction fees
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
Get the SKYPASS Business card if your company flies Korean Air and you want gas, dining, phone, and office spending to earn miles.
Skip it if you want flexible points; a card like the Ink Business Preferred earns transferable rewards.
Alternatives to the SKYPASS Visa Signature® Business Card
Pairs well with
The SKYPASS Visa Signature® Business Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the SKYPASS Visa Signature® Business Card lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
