Editor’s note: This is a recurring post with regularly updated card details.
The U.S. Bank currently offers six business credit cards—each has unique features and benefits. To choose which of the best U.S. Bank business credit cards are right for you, decide between earning cash back, points, or miles. Also, consider whether you need a 0% annual percentage rate (APR) period and if you are willing to pay an annual fee.
Here are the six business credit cards from the U.S. Bank:
- U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for earning up to 5% cash back with 0% APR for 15 months
- U.S. Bank Business Altitude ConnectTM World Elite Mastercard®: Best for travel rewards with airport lounge access
- U.S. Bank Business Altitude™ Power World Elite Mastercard®: Best for high credit limit and premium rewards on mobile wallet purchases
- U.S. Bank Business Leverage® Visa Signature® Card: Best for earning premium rewards on your top two categories and a $750 welcome offer
- U.S. Bank Business Platinum Card: Best for 0% APR for 18 months and low ongoing APR
- SKYPASS Visa Signature® Business Card: Best for frequent Korean Air flyers
Overview of the Best U.S. Bank Business Credit Cards
To choose the right card, you need to assess your business’s unique needs. Consider the following factors when deciding which of the best U.S. Bank business credit cards is suitable for you:
1. Rewards
Aside from the U.S. Bank Business Platinum Card, all other U.S. Bank credit cards offer sign-up bonuses and ongoing rewards. If you prefer to earn cash back, consider either the U.S. Bank Triple Cash Rewards World Elite Mastercard® or the U.S. Bank Business Leverage® Visa Signature® Card. If you prefer to earn points or miles, you may benefit more from the U.S. Bank Business Altitude ConnectTM World Elite Mastercard®, U.S. Bank Business Altitude™ Power World Elite Mastercard®, or SKYPASS Visa Signature® Business Card.
2. 0% APR Period
If you need to finance a large purchase or consolidate your debt from another credit card, you may benefit from the U.S. Bank Business Platinum Card’s 18-month 0% APR period on both balance transfer and purchase transactions. But if you prefer to earn rewards on your purchases, you may find the U.S. Bank Triple Cash Rewards World Elite Mastercard® more valuable—it offers 0% APR on both balance transfers and purchases for 15 billing cycles.
3. Significant Purchases
If your business needs to make significant purchases regularly, you can take advantage of U.S. Bank’s ExtendPay® Plan, a feature that lets you divide your large balance into fixed monthly installments without interest—you only need to pay a small monthly fee. However, this is only available with the U.S. Bank Triple Cash Rewards World Elite Mastercard®, U.S. Bank Business Altitude ConnectTM World Elite Mastercard®, U.S. Bank Business Altitude™ Power World Elite Mastercard®, and the U.S. Bank Business Leverage® Visa Signature® Card.
U.S. Bank Triple Cash Rewards World Elite Mastercard®: Best for Earning Up to 5% Cash Back With 0% APR for 15 Months
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Who Should Consider the U.S. Bank Triple Cash Rewards World Elite Mastercard®
- Those who need long 0% APR and ongoing rewards: The card comes with interest-free financing on both balance transfer transactions and purchases for the first 15 billing cycles of card ownership. Plus, you can earn up to unlimited cash back on your purchases:
- 5% cash back on prepaid hotels and car rentals booked through Travel Rewards Center
- 3% cash back at restaurants, office supply stores, and gas stations
- 1% cash back on all other purchases
- Those who have recurring software purchases: You will receive a $100 annual statement credit for recurring software subscriptions like FreshBooks and QuickBooks.
Other Benefits of U.S. Bank Triple Cash Rewards World Elite Mastercard®
- Welcome offer: Earn a $500 cash back bonus when you use the card to make at least $4,500 in eligible purchases within the first 150 days from opening an account
- ExtendPay® Plan: Pay your large balance over time with no interest for a small monthly fee
- Business tools: Access a free online tool to track your business expenses and set spending controls
- $0 annual fee: Pay $0 annual fee while taking advantage of unlimited rewards
With the U.S. Bank Triple Cash Rewards World Elite Mastercard®, you can earn unlimited cash back that never expires for the life of the account. This is the reason why it is our leading business credit card with no annual fee and one of our best small business credit cards.
U.S. Bank Business Altitude ConnectTM World Elite Mastercard®: Best for Travel Rewards With Airport Lounge Access
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations on the first $150,000 in combined annual spend.
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Rewards never expire.
- Earn a $25 statement credit on every three consecutive monthly taxi or rideshare trips.
- No foreign transaction fees.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- No foreign transaction fee
Who Should Consider the U.S. Bank Business Altitude ConnectTM World Elite Mastercard®
- Those with significant fuel and travel expenses: It offers 5x points on hotel stays and car rentals booked directly through the Travel Rewards Center. Plus, you can earn 4x points on the first $150,000 expenses on gas, EV charging stations, airfare, and hotels.
- Those who need airport lounge access when traveling: It comes with a Priority PassTM membership, which offers access to more than 1,300 VIP lounges worldwide with four complimentary visits per membership year.
Other Benefits of U.S. Bank Business Altitude ConnectTM World Elite Mastercard®
- Welcome offer: Earn 60,000 points (that’s worth $600) if you spend $6,000 in the first 180 days of opening your account
- No foreign transaction fee: Pay no additional fees when you use your cards for international purchases when you travel
- ExtendPay® Plan: Divide your large purchases into fixed monthly installments without interest—just pay a small monthly fee
- Transfer points: Transfer points between your business and personal U.S. Bank Altitude cards to pool points and redeem rewards faster
- Low annual fee: Pay only an annual fee of $95, which is waived for the first year
The generous rewards, perks, and other useful features are a few reasons why the U.S. Bank Business Altitude ConnectTM World Elite Mastercard® is one of our top-recommended fuel cards for small businesses.
U.S. Bank Business Altitude™ Power World Elite Mastercard®: Best for High Credit Limit & Premium Rewards on Mobile Wallet Purchases
U.S. Bank Business Altitude™ Power World Elite Mastercard®
- Introducing the U.S. Bank Business Altitude™ Power World Elite Mastercard®, the business credit card that earns you 2X limitless points on purchases that power your business.
- Limited Time Offer: Earn 75,000 bonus points, worth $750, if you spend $10,000 on the Account Owner's card in the first 120 days from account opening.
- Earn 6X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 2X points on all purchases.
- Earn 2.5X points on up to $5,000 in mobile wallet purchases each quarter.
- No caps or expiration on total rewards earned.
- No foreign transaction fees when making purchases outside of the United States.
- $195 annual fee.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2023 World's Most Ethical Company® - Ethisphere Institute, March 2023.
- Terms and conditions apply.
Pros
- No foreign transaction fee
- Pay over time through ExtendPay® Plan
- High welcome bonus
Cons
- No 0% APR option
- No $0 annual fee period
- Free employee cards
- Consolidated statements and detailed spending analysis
- Transfer points between personal and business U.S. Bank Altitude cards
- Introducing the U.S. Bank Business Altitude™ Power World Elite Mastercard®, the business credit card that earns you 2X limitless points on purchases that power your business.
- Limited Time Offer: Earn 75,000 bonus points, worth $750, if you spend $10,000 on the Account Owner's card in the first 120 days from account opening.
- Earn 6X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 2X points on all purchases.
- Earn 2.5X points on up to $5,000 in mobile wallet purchases each quarter.
- No caps or expiration on total rewards earned.
- No foreign transaction fees when making purchases outside of the United States.
- $195 annual fee.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Divide large purchases into fixed monthly payments with U.S. Bank ExtendPay® Plan.
- Great Offer from U.S. Bank, a 2023 World's Most Ethical Company® - Ethisphere Institute, March 2023.
- Terms and conditions apply.
Pros
- No foreign transaction fee
- Pay over time through ExtendPay® Plan
- High welcome bonus
Cons
- No 0% APR option
- No $0 annual fee period
- Free employee cards
- Consolidated statements and detailed spending analysis
- Transfer points between personal and business U.S. Bank Altitude cards
Who Should Consider the U.S. Bank Business Altitude™ Power World Elite Mastercard®
- Those who need a high credit limit and generous welcome offer: The U.S. Bank Business Altitude™ Power World Elite Mastercard® potentially offers a high credit limit because it comes with a high spending requirement for its welcome bonus. You need to spend at least $10,000 within 120 days of opening an account to receive the 75,000 bonus points, which is equivalent to $750.
- Those who make frequent mobile wallet purchases: You will receive 2.5x points per dollar on up to $5,000 in mobile wallet purchases per quarter.
Other Benefits of U.S. Bank Business Altitude™ Power World Elite Mastercard®
- Generous rewards: On top of the 2.5x points per dollar you’ll receive on mobile purchases you’ll also get 6x points per dollar on hotels and car rentals booked through the Rewards Center, and 2x points per dollar on all other expenses
- No foreign transaction fee: You can also use the card for international purchases without the extra fees
- ExtendPay® Plan: For a small monthly fee, you can pay off your eligible balance over time without interest through this program
- Transfer points: For business and personal U.S. Bank Altitude cards, transfer points to pool your rewards and redeem them faster
There are no limits to the number of points you can earn. Keep in mind, however, that the U.S. Bank Business Altitude™ Power World Elite Mastercard® charges an annual fee of $195.
U.S. Bank Business Leverage® Visa Signature® Card: Best for Earning Premium Rewards on Your Top Two Categories & $750 Welcome Offer
U.S. Bank Business Leverage® Visa Signature® Card
BEST FOR:
Expenses that shift from month to month
- Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
- Earn 2% back in the top two categories where you spend the most each month automatically.
- 1% cash per dollar spent on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No annual fee for the first year and $95 thereafter.
- No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Personalized ongoing rewards
- Large welcome offer
- Unlimited points
Cons
- Requires excellent credit
- No introductory 0% annual percentage rate (APR)
- Rewards have expiration
- Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
- Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
- Earn $750 in rewards when you spend $7,500 in eligible purchases on the account owners' card within the first 120 days of opening your account.
- Earn 2% back in the top two categories where you spend the most each month automatically.
- 1% cash per dollar spent on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No annual fee for the first year and $95 thereafter.
- No reward caps or limits on the total rewards your business can earn. Redeem for your choice of cash back, gift cards, merchandise and travel.
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- Personalized ongoing rewards
- Large welcome offer
- Unlimited points
Cons
- Requires excellent credit
- No introductory 0% annual percentage rate (APR)
- Rewards have expiration
- Extended warranty protection: The issuer will double an original manufacturer’s warranty up to an additional one year for warranties of three years or less. The coverage is limited to $10,000 per item.
- Purchase protection: Protection for items that are damaged or stolen within 90 days of purchase. Coverage is limited to $500 per claim and up to $50,000 per cardholder, per year.
Who Should Consider the U.S. Bank Business Leverage® Visa Signature® Card
- Those with varied spending habits per month: You will earn 2% cash back on the top two categories where you spend the most each month. There’s no need to choose the categories where you earn premium rewards because they will be chosen automatically based on where you spend the most.
- Those who can spend $7,500 within the first 120 days of account opening: You will receive a $750 welcome bonus if you meet the spending requirements.
Other Benefits of U.S. Bank Business Leverage® Visa Signature® Card
- Ongoing rewards on other expenses: Receive 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center and 1% cash back on other eligible purchases
- Low annual fee: Pay an annual fee of $95, which is waived for the first year; employee cards are free
- ExtendPay® Plan: Take advantage of this pay-over-time feature and pay your large balance in fixed monthly installments with no interest—just pay a small monthly fee
- Visa Spend Clarity: Set up customizable spending rules for your employees and control where, when, and how they can use their cards
- Spend Analysis: Track your spending with this online reporting tool
The flexible expense categories where you can earn premium rewards is one reason why U.S. Bank Business Leverage® Visa Signature® Card is part of our roundup for the top business credit cards for cash back.
U.S. Bank Business Platinum Card: Best for 0% APR for 18 Months & Low Ongoing APR
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases and balance transfers
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Who Should Consider the U.S. Bank Business Platinum Card
- Those who need a long 0% APR period: If your primary purpose is to take advantage of long interest-free financing on purchases and/or balance transfer transactions, you will benefit from the card’s introductory 0% APR on both transactions for the first 18 billing cycles.
- Those who don’t mind not earning rewards: Keep in mind that the card does not offer welcome bonuses and ongoing rewards on your purchases.
Other Benefits of the U.S. Bank Business Platinum Card
- $0 annual fee: Enjoy long zero-interest financing without paying an annual fee
- Relatively Low Ongoing APR: Carry a balance after the 0% APR period and take advantage of its relatively low ongoing APR—its regular APR is the lowest among all cards on this list
- Visa Spend Clarity: Track sending, set robust controls, and manage your expense using this powerful tool
The U.S. Bank Business Platinum Card is our best business credit card with 0% APR and leading business credit card for balance transfers. Additionally, it is one of our top business cards that don’t report to personal credit bureaus, making it a good choice if you don’t want your business transactions to affect your personal credit score.
SKYPASS Visa Signature® Business Card: Best for Frequent Korean Air Flyers
SKYPASS Visa Signature® Business Card
BEST FOR:
Those who travel with Korean Air frequently
- 2 miles for every eligible $1 you spend on Korean Air ticket purchases
- 2 miles for every eligible $1 you spend at gas stations and hotels
- 1 mile for every $1 you spend on all other eligible purchases
Pros
- Charges low annual fee for a travel rewards business credit card
- Does not charge foreign transaction fees
Cons
- Does not have 0% introductory APR on purchases and balance transfers
- With additional fees for employee cards
- Morning Calm Club membership: Cardholders are entitled to exclusive check-in services, KAL lounge access, priority baggage handling, and SkyTeam Elite member status.
- Visa Business reporting: You can manage expenses made by your employees and set customizable spending rules through U.S. Bank’s Visa Business Spending.
- Auto rental collision damage waiver: You’ll receive auto rental collision damage waiver insurance when you rent a car using this card, letting you decline the rental company’s collision damage waiver option and receive coverage through Visa for collision damage or theft.
- Travel and emergency assistance services: Visa provides assistance and referrals 24/7 while you are traveling away from home. Restrictions and limitations may apply, so check your SKYPASS Visa Guide to Benefits for more information.
- 2 miles for every eligible $1 you spend on Korean Air ticket purchases
- 2 miles for every eligible $1 you spend at gas stations and hotels
- 1 mile for every $1 you spend on all other eligible purchases
Pros
- Charges low annual fee for a travel rewards business credit card
- Does not charge foreign transaction fees
Cons
- Does not have 0% introductory APR on purchases and balance transfers
- With additional fees for employee cards
- Morning Calm Club membership: Cardholders are entitled to exclusive check-in services, KAL lounge access, priority baggage handling, and SkyTeam Elite member status.
- Visa Business reporting: You can manage expenses made by your employees and set customizable spending rules through U.S. Bank’s Visa Business Spending.
- Auto rental collision damage waiver: You’ll receive auto rental collision damage waiver insurance when you rent a car using this card, letting you decline the rental company’s collision damage waiver option and receive coverage through Visa for collision damage or theft.
- Travel and emergency assistance services: Visa provides assistance and referrals 24/7 while you are traveling away from home. Restrictions and limitations may apply, so check your SKYPASS Visa Guide to Benefits for more information.
Who Should Consider the SKYPASS Visa Signature® Business Card
- Those who travel with Korean Air and other SkyTeam partners frequently: You can earn 2x miles on purchases made directly from Korean Air, as well as enjoy travel perks like two free KAL Lounge coupons every year and a 5% ticket discount annually for you and a companion.
Other Benefits of the SKYPASS Visa Signature® Business Card
- Ongoing rewards on other purchases: You can also earn 2x miles on gas, dining, cell phone, and office supplies, and 1x miles on all other eligible purchases.
- Welcome offer: Receive 50,000 bonus miles after spending $5,000 within the first 90 days of card ownership.
- No foreign transaction fee: Use the card to make international purchases without paying additional fees.
- Other travel perks: Receive up to $1 million in travel accident insurance, travel and emergency assistant services, travel and entertainment assistance through Visa Concierge, and Visa Travel and Shopping special offers.
You can redeem your Korean Air mileage for flights and seat upgrades on Korean Air and other SkyTeam partners, including AirEuropa, AirFrance, Aeroflot, and AeroMexico. If you want a travel rewards card that offers flexible redemption options, consider the U.S. Bank Business Altitude ConnectTM World Elite Mastercard®.
Frequently Asked Questions (FAQs)
You need to provide your business and personal information, which are as follows:
- Business structure
- Employer identification number (EIN)/tax ID number (TIN)/Social Security number
- Legal business name
- Industry ID
- Annual business revenue
- Business start year
- Ownership type
- Owner’s and co-owners’ legal names, dates of birth, Social Security numbers, address, and percentage of ownership
Real-time Rewards is a redemption method available to U.S. Bank business credit cards. It allows you to redeem your rewards easily when you make a credit card purchase. You need to enroll in Real-time Rewards first, then every time you make a card purchase, you will receive a text message with the option to use rewards toward that purchase.
You have the option to get a centralized billing statement for all your credit card transactions, including those made with your employee credit cards. A central billing statement lets you see all transactions made by your employees and pay your bill as a whole. The U.S. Bank also provides individual billing statements for each employee card if that’s what you prefer.
Bottom Line
The best U.S. Bank credit card for your business will depend on how you use it—whether you need to earn rewards, transfer a balance, make a large purchase, or travel for business frequently. What’s great about the best U.S. Bank business cards is that they come with low or zero annual fees, helping you save on credit costs.