Best U.S. Bank Business Credit Cards for 2023

On US Bank's Secure Website

Intro APR

Regular APR

19.24% - 28.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good

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
No 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.

Intro APR

Regular APR

19.24% - 28.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good

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
No 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®

This is ideal for those who travel regularly and have recurring expenses on office supplies, gas, and dining. You can earn 5% cash back on prepaid hotels and car rentals booked through Travel Rewards Center and 3% cash back at restaurants, office supply stores, and gas stations. Plus, you can earn unlimited 1% cash back on all other purchases. It is also a great option for those needing to make a significant purchase or transfer a balance from another credit card, as it offers interest-free financing for 15 billing cycles.

Other Benefits of U.S. Bank Triple Cash Rewards World Elite Mastercard®

Sign-up bonus: Earn $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.
Annual software credit: Receive a $100 statement credit for recurring software subscriptions like QuickBooks and FreshBooks.
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.
No annual fee: Pay no annual fee while taking advantage of unlimited rewards.

With 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 Connect^TM World Elite Mastercard®: Best for Travel Rewards With Airport Lounge Access & Generous Sign-up Bonus

U.S. Bank Business Altitude™ Connect World Elite Mastercard®

on U.S. Bank Business Altitude™ Connect World Elite Mastercard®'s secure website.

Intro APR

Regular APR

20.24%-28.24% (Variable)

Annual Fee

$0 Intro annual fee for the first year, $95 per year thereafter

Credit Needed

Good to Excellent

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

High sign-up bonus
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

Intro APR

Regular APR

20.24%-28.24% (Variable)

Annual Fee

$0 Intro annual fee for the first year, $95 per year thereafter

Credit Needed

Good to Excellent

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

High sign-up bonus
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 Connect^TM World Elite Mastercard®

Business owners who have significant expenses on fuel and travel often should consider this card. 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. You’ll also receive 2x points on dining (including takeout and restaurant delivery) and cell phone services, and 1x point on all other purchases. On top of that, you can enjoy various travel perks.

Other Benefits of the U.S. Bank Business Altitude Connect^TM World Elite Mastercard®

No foreign transaction fee: Pay no additional fees when you use your cards for international purchases when you travel.
Priority Pass^TM access: Access more than 1,300 VIP lounges worldwide with four complimentary visits per membership year.
ExtendPay® Plan: Divide your large purchases into fixed monthly installments without interest—just pay a small monthly fee.
Sign-up bonus: Earn 60,000 points (that’s worth $600) if you spend $6,000 in the first 180 days of opening your account.
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 Connect^TM World Elite Mastercard® is one of our top-recommended fuel cards for small businesses.

U.S. Bank Business Leverage® Visa Signature® Card: Best for Earning Premium Rewards on Your Top Two Categories & $750 Sign-up Bonus

U.S. Bank Business Leverage® Visa Signature® Card

BEST FOR:

Expenses that shift from month to month

On US Bank's Secure Website

Intro APR

Regular APR

21.24% - 26.24% (Variable)

Annual Fee

$95

Credit Needed

Excellent/Good

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 sign-up bonus
Unlimited points

Cons

Requires excellent credit
No introductory 0% 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.

See Rates
& Fees

Intro APR

Regular APR

21.24% - 26.24% (Variable)

Annual Fee

$95

Credit Needed

Excellent/Good

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 sign-up bonus
Unlimited points

Cons

Requires excellent credit
No introductory 0% 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.

See Rates and Fees

Who Should Consider the U.S. Bank Business Leverage® Visa Signature® Card

The card is an excellent choice if you make substantial purchases on various expense categories—you can earn 2% cash back on the top two categories where you spend the most each month. The best thing about this is that you don’t need to nominate the top two spending categories as they will be chosen automatically based on where you spend the most. What’s more, you’ll get $750 bonus cash back when you spend $7,500 within the first 120 days of card ownership.

Other Benefits of the 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.

Its 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

On US Bank's Secure Website

Intro APR

Regular APR

17.24% - 26.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good Credit

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.

Intro APR

Regular APR

17.24% - 26.24% (Variable)

Annual Fee

Credit Needed

Excellent/Good Credit

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

The card is a great choice for business owners whose primary purpose is to take advantage of a long interest-free financing on purchases and/or balance transfer transactions. After opening an account, you can enjoy an introductory 0% APR on purchases and balance transfers for the first 18 billing cycles. 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.

Other Benefits of the U.S. Bank Business Platinum Card

No annual fee: Enjoy long zero-interest financing without paying an annual fee.
Low ongoing APR: Carry a balance after the 0% APR period and take advantage of 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.

While U.S. Bank Business Platinum Card is our best business credit card with 0% APR and leading business credit card for balance transfers, it’s worth noting that it does not offer introductory and ongoing rewards. Consider the U.S. Bank Triple Cash Rewards World Elite Mastercard® if you prefer to earn rewards on your expenses.

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

on SKYPASS Visa Signature® Business Card's secure website.

Intro APR

None

Regular APR

23.24% to 29.99% variable

Annual Fee

$95 for Account Owners and $95 for Authorized Employees

Credit Needed

Good to Excellent

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 annual percentage rate (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.

Intro APR

None

Regular APR

23.24% to 29.99% variable

Annual Fee

$95 for Account Owners and $95 for Authorized Employees

Credit Needed

Good to Excellent

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 annual percentage rate (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.