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.
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
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 15 billing cycles. After that, a variable APR of 11.99% to 20.99% applies.
No annual fee. You won't pay an annual fee for this card.
Annual Fee
$0
Purchase APR
0% intro for the first 15 billing cycles (then 11.99% to 20.99% variable)
Balance transfer APR
0% intro for the first 15 billing cycles (then 11.99% to 20.99% variable)
Welcome offer
N/A
Rewards
N/A
Best for flexibility U.S. Bank Business Select Rewards
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
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 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 11.99% 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 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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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.
Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.
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