Compare U.S. Bank business cards | finder.com

Compare U.S. Bank business cards

U.S. Bank offers cards with travel perks, cashback rewards, intro APRs and more for your business.

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U.S. Bank operates in 25 states and is the fifth largest bank in the US. If you live in an area where the bank has branches, you can apply for their business credit cards and enjoy the benefits that come along. Unfortunately, if you don’t reside in any of the states where the bank operates, you’ll have to check out other business credit cards.

Quick look at U.S. Bank business credit cards

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U.S. Bank Business Cash Rewards World Elite™ Mastercard®

U.S. Bank Business Cash Rewards World Elite™ Mastercard®

  • Earn a new cardmember bonus of $500 after you spend $4,500 in eligible net purchases on your card within the first 150 days of account opening. 3% cash back on eligible gas station, office supply store and cell phone/service provider net purchases
  • 1% cash back on other eligible net purchases
  • No limit on total rewards and they never expire!
  • Plus, a 25% Annual Cash Rewards bonus, up to $250
  • No annual fee
  • Net purchases are purchases minus credits and returns
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Businesses that spend heavily on gas, office supplies or cell phone expenses could find the card’s increased cash back on these categories of great use. Furthermore, you get an easy-to-earn signup bonus and an annual cashback bonus based on your previous year’s spending.

U.S. Bank Business Platinum

U.S. Bank Business Platinum

  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that variable APR currently 12.24% - 20.24%
  • No annual fee
  • Free employee cards
  • Zero fraud liability protects you against unauthorized transactions
  • This product is available in the following states: AR,AZ,CA,CO,IA,ID,IL,IN,KS,KY,MN,MO,MT,ND,NE,NM,NV,OH,OR,SD,TN,UT,WA,WI,WY
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If you’re looking for a business credit card that has a long intro APR period for balance transfers and purchases, and a low APR after that, this could be the right card for you. Unfortunately, these are the only perks you get. There’s no signup bonus or rewards on your spending.

U.S. Bank FlexPerks® Business Travel Rewards

U.S. Bank FlexPerks® Business Travel Rewards

  • Earn 25,000 enrollment FlexPoints worth $375 on airfare, hotel stays, car rentals and more. Just spend $2,000 in eligible net purchases on your card within the first four months of account opening
  • Earn 2x FlexPoints in the category where you spend the most each month—gas stations, office supply stores or airlines, plus on cellular providers
  • Earn 1 point for every other eligible net dollar spent
  • $25 airline allowance offers reimbursement for up to $25 per round-trip air travel award ticket toward baggage fees, in-flight food and drinks, or a seat upgrade when you use your card
  • If you spend $24,000 in net purchases annually, your $55 annual fee (plus $10 fee for each employee card) gets credited back to your account
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Business owners who travel often will like the perks this card offers. You can earn double points for a category you spend the most on every month — which you can redeem for travel rewards, statement credit, gift cards and more. It also comes with a decent signup bonus and an airline allowance for every flight ticket you redeem.

SKYPASS Visa Business Card

SKYPASS Visa Business Card

Earn 30,000 miles after you spend $3,000 on purchases in the first 90 days from account opening.

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If you often fly with Korean Air, the SKYPASS Visa Business Card could help you earn miles that you can redeem for flights and seat upgrades with Korean Air and its partners. Furthermore, it comes with a signup bonus, and you can combine your SKYPASS Visa miles with SKYPASS flight miles for more redemption options.

Radisson Rewards™ Business Visa® Card

Radisson Rewards™ Business Visa® Card

Earn 50,000 points after your first purchase plus 35,000 points once you spend $2,500 on your card within the first 90 days.

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With more than 1,100 hotels worldwide, you’ve likely stumbled across a hotel that belongs to the Radisson group at some point. If not, you may want to consider other hotel cards. But if you often stay at Radisson properties, this could be a great card for you.

It lets you earn points with every purchase, plus you could qualify for two signup bonuses. And if you spend enough annually, you could earn additional reward nights.

How to compare U.S. Bank credit cards

When deciding on which credit card is best for your business, you need to take several aspects into consideration.

  • Do you live in a state with a U.S. Bank branch? If you don’t, you won’t be able to get any of their business credit cards.
  • Does your business spend on gas and office supplies? In that case, the best card for your company could be the U.S. Bank Business Cash Rewards World Elite™ Mastercard®. You’ll get to earn higher cash back on these categories, plus you’ll get a bonus — based on your spending — of up to $250 every year. And what’s better is you get everything without having to pay an annual fee.
  • Do you want a low APR? For businesses with cashflow difficulties, a card with an intro APR for balance transfers and purchases and an overall low APR after that could be the right choice. The U.S. Bank Business Platinum offers a long intro APR period and, depending on your creditworthiness, you could get an APR as low as 12.24% variable.
  • Does your business require frequent travel? If it does, the U.S. Bank FlexPerks® Business Travel Rewards could be a good pick. You get to earn points on a category you spend the most on each month, and you can redeem your points for travel rewards, shopping or cash back. Plus, if you spend at least $24,000 a year, U.S. Bank will credit your card’s annual fee.
  • Do you often fly with Korean Air? For frequent Korean Air flyers, the SKYPASS Visa Business Card could be most useful. It lets you earn SKYPASS miles with every purchase, plus you get two Korean Air lounge coupons every year.
  • Do you stay at Radisson hotels? If your business travels often lead you to Radisson hotels, the Radisson Rewards™ Business Visa® Card could be the best choice. You’ll earn points on every purchase, and the signup bonus alone is enough for nine Category 1 standard room redemptions.

A U.S. Bank rewards card with no annual fee

Compare business credit cards

Updated September 17th, 2019
Name Product Rewards Purchase APR Annual fee
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
2% cash back on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn $500 after spending $4,500 in the first 3 months.
1.5% cash back on all purchases
0% intro for the first 9 months (then 15.24%, 19.24% or 23.24% variable)
$0
Unlimited 1.5% cash back on every purchase, every day.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 15.24% to 21.24% variable)
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
2x miles on all purchases
19.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn unlimited 2x miles on every purchase for your business, with no blackouts or seat restrictions, and no minimum to redeem.

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Why choose a U.S. Bank business credit card?

  • Spending controls. Set controls on your employees’ cards based on time, amount and location. You can also customize due dates and set alerts.
  • Fraud liability protection. You won’t be held liable for any unauthorized charges made with your card.
  • Travel and car rental insurance. You’re covered against accidental death and dismemberment when traveling on a common carrier when you pay the ticket entirely with your card. You also get coverage against theft and damage when you rent a car.
  • Online banking. Log on to your online banking account at the U.S. Bank website to pay bills and manage your spending.
  • Relationship rewards. Earn more rewards whenever your customers pay you with a credit card.
  • U.S. Bank mobile app. Download the mobile app and send payments, set alerts, find nearby ATMs and more.

These perks may not be available for all U.S. Bank business credit cards.

Bottom line

U.S. Bank has a wide range of business credit cards, whether you’re looking for cashback or travel rewards. The downside — you need to live in one of the 25 states where they currently operate.

If you happen to live in one of those states, you can choose from several cards with a variety of perks to meet your individual business’s needs. In addition to the specific benefits of the card you choose, you get zero liability for unauthorized charges, car rental and travel insurance, access to online and mobile banking and more.

As always, compare you credit card options before making a decision to find the one that best meets your needs.

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