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Compare U.S. Bank business cards
U.S. Bank offers cards with travel perks, cashback rewards, intro APRs and more for your business.
U.S. Bank operates in 25 states and is the fifth largest bank in the US. Its credit cards come with various benefits to serve you and your business. Comparing them can help you determine which one best suits your needs.
Overview of U.S. Bank business credit cards
Best for small businesses
U.S. Bank Business Cash Rewards World Elite™ Mastercard®
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
3%
Cash back
Cash back
$500
Welcome offer
Welcome offer
If your small business spends heavily on gas, office supplies or cell phone expenses you could benefit from the card's increased cash back on these categories. Furthermore, you can earn a solid signup bonus and get a 25% cashback bonus based on your previous year's spending, up to $250 each year.
- Cash back. Earn 3% cash back on gas station, office supply store, cell phone and service provider net purchases. Everything else you buy earns 1% back.
- Signup bonus. Earn a $500 cashback bonus after you spend $4,500 within your first 150 days of account opening.
- Intro APR period. Get 0% intro APR period on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR of 11.99% to 22.99% applies.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 15 billing cycles (then 11.99% to 22.99% variable) |
| Balance transfer APR | 0% intro for the first 15 billing cycles (then 11.99% to 22.99% variable) |
| Welcome offer | $500 after spending $4,500 in the first 150 days |
| Rewards | 3% cash back on gas, cell phone services, and office supply stores and 1% back on all other purchases |
Best for low ongoing APR
U.S. Bank Business Platinum
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
n/a
Rewards
Rewards
n/a
Welcome offer
Welcome offer
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. However, if you're also looking for a business card that offers rewards, you'll want to look elsewhere: the intro APR periods are the only perks you get.
- Intro APR period. Get 0% intro APR period on purchases and balance transfers for your first 20 billing cycles. After that, a variable APR of 9.99% to 17.99% applies.
- No annual fee. You won't pay an annual fee for this card.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 20 billing cycles (then 9.99% to 17.99% variable) |
| Balance transfer APR | 0% intro for the first 20 billing cycles (then 9.99% to 17.99% variable) |
| Welcome offer | N/A |
| Rewards | N/A |
Best for flexibility
U.S. Bank Business Select Rewards
740
Min. credit score
Min. credit score
$0
Annual fee
Annual fee
Up to
3x
Points
Points
20,000
Points welcome offer
Points welcome offer
If you're a small business looking for a rewards card, the U.S. Bank Business Select Rewards could be a great choice. Rather than earning points in set categories, you can choose from several available categories: day-to-day purchases, automotive, and travel and entertainment.
- Reward points. Earn 3x points on the category of your choice, and 1x points on everything else. The 3x categories include shipping, advertising, utilities, office supply, telecom and professional services businesses, gas and service stations, tire shops, car dealerships, car wash facilities, toll gates and car repair establishments, and airline, hotel, car rental, restaurant and travel agencies.
- Signup bonus. Earn 20,000 bonus points after you spend $1,000 in your first 90 days of account opening.
- Intro APR period on purchases. Use 0% intro APR period on purchases made during your first 9 billing cycles. Once the intro period passes, your rate reverts to 11.99% to 22.99% variable.
| Annual Fee | $0 |
|---|---|
| Purchase APR | 0% intro for the first 9 billing cycles (then 11.99% to 22.99% variable) |
| Balance transfer APR | 11.99% to 22.99% variable |
| Welcome offer | 20,000 points after spending $1,000 in eligible purchases in the first 90 days |
| Rewards | 3x points in a chosen category and 1x points on all other purchases |
Best for frequent flyers with Korean Air
SKYPASS Visa Business Card
670
Min. credit score
Min. credit score
$95
Annual fee
Annual fee
Up to
2x
Miles
Miles
30,000
Miles welcome offer
Miles welcome offer
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.
- Reward miles. Earn 2x miles on Korean Air tickets, gas and hotel bookings, and 1x points on all other purchases.
- Signup bonus. Earn 30,000 bonus miles after you spend $3,000 within your first 90 days of account opening.
- Bonus miles. Each year on your card anniversary get 2,000 bonus miles.
| Annual Fee | $95 |
|---|---|
| Purchase APR | 12.99% to 19.99% variable |
| Balance transfer APR | 12.99% to 19.99% variable |
| Welcome offer | 30,000 miles after spending $3,000 in the first 90 days |
| Rewards | 2x miles on Korean Air, 2x miles on gas and hotels and 1x miles on all other purchases |
How to choose the best U.S. Bank credit cards
There are several aspects to take into consideration when deciding which credit card is best for your business. Here are a few:
- 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 Eliteâ„¢ 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 9.99% 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 Rewardsâ„¢ 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.
Compare U.S. Bank business cards
Why choose a U.S. Bank business credit card?
Despite the limited availability of the issuer, U.S. Bank business credit cards still offer a variety of strengths. Note that these perks aren’t necessarily included on all U.S. Bank business credit cards.
- 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.
Alternatives to U.S. Bank business credit cards
U.S. Bank isn’t the only card provider with excellent business credit cards. You can also check out:
- American Express. You’ll find some of the best business credit cards with American Express. This includes a premium travel charge card, a solid cashback card, a card with up to 60 days of grace period every billing cycle, and cobranded Delta, Marriot and Hilton credit cards.
- Chase. Chase is another provider with a solid selection of business credit cards. You’ll find cashback cards and travel cards, including a Southwest Airlines and United Airlines cobranded 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 is you need to live in one of the 25 states where U.S. Bank currently operates.
If you happen to live in one of those states, you can choose from several cards with a variety of perks. In addition to your card’s benefits, you’ll get zero liability for unauthorized charges, car rental and travel insurance, access to online and mobile banking and more.
As always, compare your business credit card options before making a decision to find the right fit.
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