Editor’s note: This is a recurring post with regularly updated card details.
U.S. Bank currently offers five business credit cards, and 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% APR period and are willing to pay an annual fee.
Here are the five business credit cards from the U.S. Bank:
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for software credit and 0% purchase APR for 12 months
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for travel rewards with airport lounge access
- U.S. Bank Business Leverage® Visa Signature® Card: Best for premium rewards on your top two categories
- U.S. Bank Business Platinum Card: Best for 0% purchase APR for 12 months
- SKYPASS Visa Signature® Business Card: Best for frequent Korean Air flyers
- Overview of the Best U.S. Bank Business Credit Cards
- How to Choose the Right U.S. Bank Business Credit Card
- U.S. Bank Triple Cash Rewards Visa® Business Card: Best for Software Credit & 0% Purchase APR for 12 Months
- U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for Travel Rewards With Airport Lounge Access
- U.S. Bank Business Leverage® Visa Signature® Card: Best for Premium Rewards in Your Top Two Categories
- U.S. Bank Business Platinum Card: Best for 0% Purchase APR for 12 Months
- SKYPASS Visa Signature® Business Card: Best for Frequent Korean Air Flyers
- Frequently Asked Questions (FAQs)
- Bottom Line
Overview of the Best U.S. Bank Business Credit Cards
| Best For | Annual Fee | Welcome Offer | Ongoing Rewards | ||
|---|---|---|---|---|---|
 U.S. Bank Triple Cash Rewards Visa® Business Card | Software credit and 0% purchase APR for 12 months | $0 | $750 cash back | Up to 5% cash back | |
 U.S. Bank Business Altitude® Connect Visa Signature® Card | Travel rewards with airport lounge access | $95; waived for the first year | 60,000 bonus points | Up to 5x points | |
 U.S. Bank Business Leverage® Visa Signature® Card | Premium rewards in your top two categories | $95; waived for the first year | 75,000 points | Up to 5X points | |
 U.S. Bank Business Platinum Card | 0% purchase APR for 12 months | $0 | None | None | |
 SKYPASS Visa Signature® Business Card | Frequent Korean Air flyers | $99 for primary account and $99 for each employee | 50,000 bonus miles | Up to 2x miles |
How to Choose the Right U.S. Bank Business Credit Card
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 introductory and ongoing rewards. If you prefer to earn cash back, consider the U.S. Bank Triple Cash Rewards Visa® Business Card. If you prefer to earn points or miles, you may benefit more from the U.S. Bank Business Altitude® Connect Visa Signature® Card , U.S. Bank Business Leverage® Visa Signature® Card, 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 12-month 0% APR period on purchases. But if you prefer to earn rewards on your purchases, you may find the U.S. Bank Business Triple Cash Rewards Visa® Business Card more valuable—it also offers 0% APR on purchases for 12 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 feature is only available in the U.S. Bank Business Triple Cash Rewards Visa® Business Card, U.S. Bank Business Altitude® Connect Visa Signature® Card, and the U.S. Bank Business Leverage® Visa Signature® Card.
U.S. Bank Triple Cash Rewards Visa® Business Card: Best for Software Credit & 0% Purchase APR for 12 Months
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
- 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.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest — just pay a small monthly fee
Best Features
It lets you earn a $100 statement credit for recurring software purchases, such as FreshBooks and QuickBooks. You will also enjoy a 0% purchase APR for the first 12 billing cycles, all for a $0 annual fee. Its high rewards rate on fuel makes it our top fuel card for small businesses.
- 5% cash back on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- 3% cash back at gas and EV charging stations, office supply stores, cell phone service providers, and restaurants
- 1% cash back on all other purchases
- $750 cash back as a welcome offer if you spend $6,000 or more in purchases within 180 days from the date of account opening
- $0 annual fee
- U.S. Bank ExtendPay® Plan lets you pay your eligible balance over time without interest, just a small monthly fee
U.S. Bank Business Altitude® Connect Visa Signature® Card: Best for Travel Rewards With Airport Lounge Access
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 25.24% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
- Earn 60,000 bonus points 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 Travel Center when using your card.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $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 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Best Features
It comes with a Priority PassTM membership, which offers access to more than 1,700 VIP lounges worldwide with four complimentary visits per membership year. It is one of our best business credit cards with airport lounge access, making it a great choice for those who appreciate luxury travel.
- 5× points on hotels and car rentals booked through the Rewards Center
- 4× points on travel, including airfare, hotels, gas, and EV charging stations, on the first $150,000 in combined annual spend
- 2× points on dining, takeout, restaurant delivery, and cell phone services
- 1× point for all other purchases
- 60,000 points (that’s worth $600) if you spend $6,000 in the first 180 days of opening your account
- $0 introductory annual fee for the first year, then $95 thereafter
- $0 foreign transaction fees
- U.S. Bank ExtendPay® Plan lets you pay off your eligible balance in monthly installments without interest, just a small monthly fee
- Transfer points between your business and personal U.S. Bank Altitude cards to pool points and redeem rewards faster
U.S. Bank Business Leverage® Visa Signature® Card: Best for Premium Rewards in Your Top Two Categories
| Intro APR | N/A |
|---|---|
| Regular APR | 18.74% to 25.74% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
- Earn 75,000 points when you spend $7,500 in eligible purchases on the account owner's card within the first 120 days of opening your account.
- Earn 2X points in the top two categories where you spend the most each month automatically.
- 1X points per dollar spent on all other eligible purchases.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limits on the total rewards your business can earn.
- Terms and conditions apply.
- 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.
Best Features
A unique feature of this card is that you can earn an automatic high rewards rate on the top two categories where your business spends the most without the need to preselect or register your premium expense categories.
View the categories where you can earn premium rewards.
- Advertising firms
- Airlines
- Apparel and accessory stores
- Auto rental and transport providers
- Automotive dealers
- Automotive parts stores
- Automotive repair shops
- Cable, satellite, TV, and radio providers
- Charitable, civic, and religious organizations
- Commercial and home furniture stores
- Commercial equipment, parts, and supply
- Computer service providers
- Computer stores
- Construction material suppliers
- Dental, lab, and medical equipment providers
- Department, book, and novelty stores
- Direct marketers
- Discount stores and wholesale clubs
- Drug stores and pharmacies
- Durable goods providers
- Entertainment places
- Florist, nursery, and garden stores
- Freight and transport services
- Funeral homes and crematories
- Gas stations and fuel dealers
- Grocery stores and supermarkets
- Healthcare providers
- Home improvement service and supply
- Hotels
- Industrial suppliers
- Insurance providers
- Membership organizations
- Nondurable goods providers
- Nonmedical testing labs
- Personal service providers
- Pet supply stores
- Plumbing and HVAC suppliers
- Postal and courier service providers
- Professional service providers
- Publishers and printers
- Restaurants
- Schools and government
- Stationary and office supply stores
- Telecom equipment suppliers
- Telecom service providers
- Utility companies
- Veterinarians
- Wholesale goods providers
- Earn 5X points on prepaid hotels and car rentals booked directly in the Travel Rewards Center
- Earn 2X points in the top two categories where you spend the most each month automatically
- Earn 1X points per dollar spent on all other eligible purchases
- 75,000 points if you spend $7,500 on the account owner’s card within the first 120 days of opening an account
- $0 introductory annual fee for the first year, then $95 after that
- Access to Spend Analysis, an online reporting tool exclusive to the U.S. Bank customers
- U.S. Bank ExtendPay® Plan allows you to pay off your balance over time without interest—just pay a small monthly fee
U.S. Bank Business Platinum Card: Best for 0% Purchase APR for 12 Months
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 16.24% - 25.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
- 0% Intro APR on purchase and balance transfers for 12 billing cycles. After that, a variable APR currently 16.24% - 25.24%.
- Save on interest when you transfer balances from higher rate credit cards.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses and employee spending.
- No annual fee.
- Terms and conditions apply.
- 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.
Best Features
It comes with one of the longest 0% APR offers—you can pay off your purchases within the first 12 billing cycles without interest or fees. This is why it is our top-recommended business credit card with 0% APR. Keep in mind, however, that this interest-free financing offer does not apply to balance transfers.
The card does not offer rewards on purchases.
- $0 annual fee
- Relatively low ongoing APR compared with other business credit cards on this list
- Visa Spend Clarity lets you track sending, set robust controls, and manage your expenses
SKYPASS Visa Signature® Business Card: Best for Frequent Korean Air Flyers
| Intro APR | None |
|---|---|
| Regular APR | 22.24% to 29.24% variable |
| Annual Fee | $99 for primary account and $99 for each employee |
| Credit Needed | Good to Excellent |
- 2x miles on Korean Air ticket purchases
- 2x miles at gas and EV charging stations, cell phone service providers, office supply stores, and restaurants (including takeout and delivery)
- 1x mile on all other purchases
- 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.
Best Features
The card offers rewards and perks for those who travel with Korean Air and other SkyTeam partners frequently. You can earn 2× miles on purchases made directly from Korean Air and enjoy travel perks, like two free KAL Lounge coupons every year and a 5% ticket discount annually for you and a companion.
- 2× miles on Korean Air ticket purchases
- 2× miles at gas and EV charging stations, cell phone service providers, office supply stores, and restaurants (including takeout and delivery)
- 1× mile on all other purchases
- 50,000 bonus miles as a welcome offer when you spend $5,000 within the first 90 days
- $0 foreign transaction fees
- Bilingual customer service—live customer assistance available in Korean
Frequently Asked Questions (FAQs)
What will I need to apply for a U.S. Bank business credit card?
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
What are Real-time Rewards?
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.
Is my bill centralized if I have multiple employee credit cards?
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.
Do U.S. Bank credit cards allow contactless payment?
Yes, all business credit cards from U.S. Bank let you use contactless chip technology at any merchant that accepts contactless payments.
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.
