Best U.S. Bank Business Credit Cards of 2023

On US Bank's Secure Website

Intro APR

Regular APR

18.99% - 27.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good

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 18.99% - 27.99%.
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

18.99% - 27.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good

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 18.99% - 27.99%.
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.

When To Get the U.S. Bank Triple Cash Rewards World Elite Mastercard®

U.S. Bank Triple Cash Rewards World Elite Mastercard® is ideal if you travel regularly and have recurring expenses on office supplies, gas, and dining. It offers 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 also offers a 15-month interest-free financing option for balance transfers and purchases.

U.S. Bank Triple Cash Rewards World Elite Mastercard is one of our top choices for the

U.S. Bank Triple Cash Rewards World Elite Mastercard® also lets you enjoy the following features and benefits:

Sign-up bonus: Earn a $500 cash back after spending $4,500 or more within the first 150 days of card membership.
$100 software credit: Receive an annual statement credit of $100 if you have a recurring software subscription for QuickBooks or FreshBooks.
No annual fee: Minimize your overall cost while earning rewards because it comes with no annual fees.
Pay over time: Divide large purchases into fixed monthly payments with the U.S. Bank ExtendPay™ Plan with no interest.

If earning cash back rewards isn’t a priority as you’ll be making large purchases, consider the U.S. Bank Business Platinum Card. It offers a long 0% introductory APR on both purchases and balance transfers for the first 18 billing cycles. Meanwhile, if you wish to earn cash back on your top two spending categories, consider the U.S. Bank Business Leverage® Visa Signature® Card.

U.S. Bank Business Leverage® Visa Signature® Card: Best for Earning Cash Back on Top 2 Spend Categories

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

20.99% - 25.99% (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

20.99% - 25.99% (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

When To Get the U.S. Bank Business Leverage® Visa Signature® Card

U.S. Bank Business Leverage® Visa Signature® Card is an excellent choice if you make purchases with various expense categories as it lets you earn fixed-rate 2% cash back on the top two categories where you spend the most and 1% on other eligible purchases. What’s best about this card is that you don’t need to keep track of the categories where you can earn premium rewards, making it a great option if you have substantial expenses on different categories every month.

In addition, you can earn 5% cash back when you book prepaid hotels and car rentals directly through the Rewards Center, making it a viable option for those who travel abroad frequently because it doesn’t charge foreign transaction fees.

You can earn $750 in rewards after spending $7,500 in eligible purchases within the first 120 days of opening an account.

Similar to the U.S. Bank Triple Cash Rewards World Elite Mastercard®, it offers Pay Over Time, letting you divide large purchases into fixed and interest-free monthly payments. Note that you’ll need to pay a small transaction fee, which will vary depending on the transaction amount.

Consider the U.S. Bank Triple Cash Rewards World Elite Mastercard® if you want 0% intro APR on purchases and balance transfers for the first 15 billing cycles, given how it offers Pay Over Time. Alternatively, you can also consider the U.S. Bank Business Platinum Card as it has one of the longest interest-free financing options for both purchases and balance transfers, especially if you intend to make large purchases.

U.S. Bank Business Platinum Card: Best for Long 0% APR on Balance Transfers and Purchases & 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

16.99% - 25.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good Credit

U.S. Bank Business Platinum Card
0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
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

16.99% - 25.99% (Variable)

Annual Fee

Credit Needed

Excellent/Good Credit

U.S. Bank Business Platinum Card
0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
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.

When To Get the U.S. Bank Business Platinum Card

Consider the U.S. Bank Business Platinum Card if you need to make a substantial purchase or transfer a balance from another credit card. After opening an account, you can enjoy an introductory 0% APR on purchases and balance transfers for the first 18 billing cycles. Once the zero-interest promotional period ends, you’ll be charged a low ongoing APR from 16.99% to 25.99% variable —the lowest among other U.S. Bank business credit cards on this list.

U.S. Bank Business Platinum Card is also one of our leading business credit cards with 0% APR, business cards for balance transfers, and business credit cards that don’t report to personal credit.

If you wish to secure a business credit card with a long 0% APR period on purchases and balance transfers on top of earning cash back rewards, consider the U.S. Bank Triple Cash Rewards World Elite Mastercard®.

SKYPASS Visa Signature® Business Card: Best for Earning Miles & Airport Lounge Access

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

22.99% 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
Offers bonus miles upon renewal
Doesn’t charge foreign transaction fees

Cons

Doesn’t have 0% introductory APR
With additional fees for employee cards
Low ongoing rewards

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

22.99% 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
Offers bonus miles upon renewal
Doesn’t charge foreign transaction fees

Cons

Doesn’t have 0% introductory APR
With additional fees for employee cards
Low ongoing rewards

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.