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

Compare top U.S. Bank business cards – September 2018

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Discover the best cards for travel perks, cashback rewards, intro APR periods and more.

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.

Best U.S. Bank credit cards

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Best business card for cashback rewards: U.S. Bank Business Edge™ Cash Rewards World Elite™ MasterCard®

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

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.


Best business card for financing options: U.S. Bank Business Edge™ Platinum Card

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.


Best business card for travel rewards: U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card

Business Edge™ Travel Rewards
U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card

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.


Best business card for airline rewards: 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. Furthermore, it comes with a signup bonus, and you can combine your SKYPASS Visa miles with SKYPASS flight miles for more redemption options.


Best business card for hotel rewards: Radisson Rewards™ Business Visa® Card

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 free 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 Edge™ 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 Edge™ Platinum Card offers a long intro APR period and, depending on your creditworthiness, you could get an APR as low as 11.74%.
  • Does your business require frequent travel? If it does, the U.S. Bank FlexPerks® Business Edge™ Travel Rewards Card 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.

Compare business credit cards

Updated September 21st, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
14.74%, 18.74% or 24.74% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees
16.74% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
16.74% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
16.74% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
14.74% to 24.74% variable
0% for the first 12 months (then 14.74% to 24.74% variable)
$95
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
14.74% to 25.74% variable
0% for the first 15 months (then 14.74% to 25.74% variable)
$0
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
14.74% to 25.74% variable
0% for the first 12 months (then 14.74% to 25.74% variable)
$95
Earn $200 bonus cash back after you spend $1,000 in the first 3 months
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.

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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.

Frequently asked questions

Kliment Dukovski

"Kliment Dukovski is a writer for finder.com. He specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information that will help you make the right financial decision. When he's not writing about finance-related subjects he writes sci-fi stories."

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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