Compare U.S. Bank business credit cards

Use our table to compare U.S. Bank business credit cards. See how their features stack up and choose a card with features that fit your business spending needs.

1 - 3 of 219

Name	Rewards	Purchase APR	Annual fee
Capital One Venture Rewards Credit Card	2x miles on every purchase, every day, 5x miles on hotels and rental cars booked through Capital One Travel, 5x miles when you book on Turo, the world’s largest car sharing marketplace, through May 16, 2023	17.49% to 25.49% variable	$95	Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.	Apply now View details	Compare	loading Fetching your data...
Capital One VentureOne Rewards Credit Card	Earn unlimited 1.25x miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.	0% intro for the first 15 months (then 16.49% - 26.49% variable)	$0	Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.	Apply now View details	Compare	loading Fetching your data...
Capital One Quicksilver Cash Rewards for Good Credit	1.5% cash back on every purchase, every day 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)	26.99% variable	$0	Earn the same 1.5% cash back on every purchase and $0 annual fee as the Capital One Quicksilver Cash Rewards Credit Card, apply with good credit.	Apply now View details	Compare	loading Fetching your data...

loading

Compare up to 4 providers

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

Quick look at U.S. Bank business credit cards

U.S. Bank Business Cash Rewards World Elite™ Mastercard®: Best for small businesses
U.S. Bank Business Platinum: Best for low ongoing APR
U.S. Bank Business Select Rewards: Best for flexibility
SKYPASS Visa Business Card: Best for frequent flyers with Korean Air

Best for small businesses

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

Finder rating 4.4 / 5 ★★★★★

Read ReviewTerms apply, see rates & fees

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.

Pros
Intro APR period. Get a 0% intro APR period on purchases and balance transfers for the first 15 billing cycles following your account opening. A variable APR of 15.49% to 24.49% applies thereafter.
Cashback. Earn 3% cash back on gas up to $200 per purchase, 1% after that, and % back on office supplies and cell phone purchases. Everything else you buy earns 1% cash back.
Signup bonus. Spend $4,500 within your first 150 days to earn $500 bonus.
Annual cashback bonus. Earn 25% bonus based on the cash back you earned during your previous year. The maximum bonus you can get is $250.
No annual fee. There's no annual fee to own the card or to add additional employee cards.
Cons
Potentially high APR. Depending on your creditworthiness, you could receive an ongoing purchase and balance transfer APR as high as 24.49% variable.
Penalty APR. U.S. Bank may raise your purchase, balance transfer and cash advance APR up to 29.99% fixed after one late or returned payment or if you exceed your credit limit two times in 12 consecutive months. This rate applies until you make six consecutive minimum payments on time and don’t exceed your credit limit in that same period.

Annual fee	$0
Purchase APR	0% intro for the first 15 billing cycles (then 15.49% to 24.49% variable)
Balance transfer APR	0% intro for the first 15 billing cycles (then 15.49% to 24.49% variable)
Welcome Offer	$500 after spending $4,500 in the first 150 days
Rewards	3% cash back

Pros

Intro APR period. Get a 0% intro APR period on purchases and balance transfers for the first 15 billing cycles following your account opening. A variable APR of 15.49% to 24.49% applies thereafter.
Cashback. Earn 3% cash back on gas up to $200 per purchase, 1% after that, and % back on office supplies and cell phone purchases. Everything else you buy earns 1% cash back.
Signup bonus. Spend $4,500 within your first 150 days to earn $500 bonus.
Annual cashback bonus. Earn 25% bonus based on the cash back you earned during your previous year. The maximum bonus you can get is $250.
No annual fee. There's no annual fee to own the card or to add additional employee cards.

Cons

Potentially high APR. Depending on your creditworthiness, you could receive an ongoing purchase and balance transfer APR as high as 24.49% variable.
Penalty APR. U.S. Bank may raise your purchase, balance transfer and cash advance APR up to 29.99% fixed after one late or returned payment or if you exceed your credit limit two times in 12 consecutive months. This rate applies until you make six consecutive minimum payments on time and don’t exceed your credit limit in that same period.

Annual fee	$0
Purchase APR	0% intro for the first 15 billing cycles (then 15.49% to 24.49% variable)
Balance transfer APR	0% intro for the first 15 billing cycles (then 15.49% to 24.49% variable)
Welcome Offer	$500 after spending $4,500 in the first 150 days
Rewards	3% cash back

Welcome Offer	$500
Rewards	3% cash back
Annual Fee	$0
Minimum Credit Score	740

Read ReviewTerms apply, see rates & fees

Best for low ongoing APR

U.S. Bank Business Platinum

Finder rating 3.4 / 5 ★★★★★

Read ReviewTerms apply, see rates & fees

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.

Pros
No annual fee. There's no annual fee for employee cards either.
Intro APR. Receive a 0% intro APR on balance transfers and purchases for the first 20 billing cycles. After that, your purchase and balance transfer APR will be 13.49% to 22.49% variable.
24/7 customer support. Get help with your card account from U.S. Bank's business specialists.
Cons
No signup bonus. Most cards come with a bonus once you meet certain spending criteria. Unfortunately, this card doesn’t have any bonuses.
Foreign transaction fee. Limit your credit card spending when traveling abroad to avoid paying a fee of 3% of the transaction. It may not seem like much, but it can quickly add up.

Annual fee	$0
Purchase APR	0% intro for the first 20 billing cycles (then 13.49% to 22.49% variable)
Balance transfer APR	0% intro for the first 20 billing cycles (then 13.49% to 22.49% variable)
Welcome Offer	N/A
Rewards	None

Pros

No annual fee. There's no annual fee for employee cards either.
Intro APR. Receive a 0% intro APR on balance transfers and purchases for the first 20 billing cycles. After that, your purchase and balance transfer APR will be 13.49% to 22.49% variable.
24/7 customer support. Get help with your card account from U.S. Bank's business specialists.

Cons

No signup bonus. Most cards come with a bonus once you meet certain spending criteria. Unfortunately, this card doesn’t have any bonuses.
Foreign transaction fee. Limit your credit card spending when traveling abroad to avoid paying a fee of 3% of the transaction. It may not seem like much, but it can quickly add up.

Annual fee	$0
Purchase APR	0% intro for the first 20 billing cycles (then 13.49% to 22.49% variable)
Balance transfer APR	0% intro for the first 20 billing cycles (then 13.49% to 22.49% variable)
Welcome Offer	N/A
Rewards	None

Welcome Offer	n/a
Rewards	None
Annual Fee	$0
Minimum Credit Score	740

Read ReviewTerms apply, see rates & fees

Best for flexibility

U.S. Bank Business Select Rewards

Read ReviewTerms apply, see rates & fees

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.

Pros
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 16.74% to 21.74% variable.
Cons
No intro APR on balance transfers. The card extends an intro APR on purchases only. If you’re looking to transfer balances to pay down existing debt at a lower rate, this might not be the card for you.
High penalty and cash advance APR. Late payments can result in an indefinite revert rate of up to 29.99% APR. And you’ll pay 26.74% variable APR on cash advances from the date of your transaction.

Annual fee	$0
Purchase APR	0% intro for the first 9 billing cycles (then 16.74% to 21.74% 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

Pros

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 16.74% to 21.74% variable.

Cons

No intro APR on balance transfers. The card extends an intro APR on purchases only. If you’re looking to transfer balances to pay down existing debt at a lower rate, this might not be the card for you.
High penalty and cash advance APR. Late payments can result in an indefinite revert rate of up to 29.99% APR. And you’ll pay 26.74% variable APR on cash advances from the date of your transaction.

Annual fee	$0
Purchase APR	0% intro for the first 9 billing cycles (then 16.74% to 21.74% 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

Welcome Offer	20,000 points
Rewards	3x points
Annual Fee	$0
Minimum Credit Score	740

Read ReviewTerms apply, see rates & fees

Best for frequent flyers with Korean Air

SKYPASS Visa Business Card

Read ReviewTerms apply, see rates & fees

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.

Pros
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.
Cons
No intro APR. This card doesn't come with an intro APR on purchases or balance transfers.

Annual fee	$95
Purchase APR	17.49% to 25.49% variable
Balance transfer APR	17.49% to 25.49% variable
Welcome Offer	30,000 miles after spending $3,000 in the first 90 days
Rewards	2x miles

Pros

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.

Cons

No intro APR. This card doesn't come with an intro APR on purchases or balance transfers.

Annual fee	$95
Purchase APR	17.49% to 25.49% variable
Balance transfer APR	17.49% to 25.49% variable
Welcome Offer	30,000 miles after spending $3,000 in the first 90 days
Rewards	2x miles

Welcome Offer	30,000 miles
Rewards	2x miles
Annual Fee	$95
Minimum Credit Score	670

Read ReviewTerms apply, see rates & fees

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 13.49% 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.

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 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.

Frequently asked questions

- U.S. Bank Business Cash Rewards World Elite™ Mastercard®
- U.S. Bank Business Select Rewards
- U.S. Bank Business Platinum
You can redeem your cash back in increments of $25 as:
- A deposit in a U.S. Bank savings, checking or money market account
- Statement credit
- A U.S. Bank Rewards Card
- All 20 SkyTeam Alliance carriers
- Alaska Airlines
- Emirates
- Etihad Airways
- GOL
- Hawaiian Airlines
- Japan Airlines
- Jet Airways
- Radisson Collection
- Radisson Blu
- Radisson
- Radisson RED
- Park Plaza
- Park Inn by Radisson
- Country Inn & Suites by Radisson

Thank you for your feedback!

Kliment Dukovski

Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.

U.S. Bank FlexPerks® Gold American Express® Card review

More guides on Finder

U.S. Bank Altitude® Go Visa Signature® Card Review
Set your sights on this dining rewards card.
How to activate a US Bank credit card
There are three ways to activate a US Bank credit card.
How to get a U.S. Bank cash advance
Use your U.S. Bank credit card to make cash withdrawals, but at a high cost.
How to increase your U.S. Bank credit limit
Use your card responsibly to boost your purchasing power.
U.S. Bank home equity review
Offers home equity loans and HELOCs, but the application process varies by state.
U.S. Bank credit cards with no foreign transaction fee
A few U.S. Bank-branded cards offer no foreign transaction fees.
U.S. Bank balance transfer credit cards
Get a balance transfer intro APR up to 18 months long with a U.S. Bank card.
U.S. Bank FlexPerks® Gold American Express® Card review
Earn points with the U.S. Bank FlexPerks Gold American Express Card and redeem for travel purchases, cash back, gift cards or merchandise.

Ask an Expert

Click here to cancel reply.

Display Name

Your Email (will not be published)

Your Question

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

Compare U.S. Bank business credit cards